姐姐，我怎么这么喜欢你呀。和我做朋友吧？我在东海岸，目前住在北维洲。你要是来华盛顿dc,来找我啊。我去加州就联系你。喜欢你的真诚和直爽。我个人觉得养老一定要好的医疗保险。Medicare don’t provide that much, also charges you $220 per month. You still need other secondary insurance.
我不是做保险的啊。我只是告诉你我个人经验，很多人选择买商业保险。我因为在工作，退休后我单位也提供给退休员工一样的保险。所以你可以买商业保险，或者找份轻松愉快的工作可以提供保险的，如果要求退休后也可以有保险的就要找政府部门的工作，有的还有退休金（pension），social security is additional。 最终你的退休收入是social+pension(If you can get one)+401k+ Roth IRA（建议你现在开始存)+other personal income. 外加你有稳定的医疗保险，或许 还有 long term care if you are getting older. 这是整个退休package。
You have no family, no kids, no college education expense to worry, of course you can retire early. Most of the people can but because of family and kid's commitments and hence no able to retire early.
