Retirement (disability) strategy

[Guest guest]

I don't have the results of my biopsy back yet, but I've been

thinking about this stuff for a while now. After a few years of

decline, and not being able to maintain 40hr/week for part of this, I

realized that I need to adjust my retirement expectations. Whether or

not Mito is involved, the trend is leaning toward me not making it to

normal retirement age.

My thinking is that I may end up on disability and have to choose

between two different situation. The first is if I continue

contributing to my meager retirement funds, I will need to deplete

them when I start disability and will not own my house. I will need

government housing.

So, I've stopped contributing to a retirement fund, and am instead

planning to accelerate my house payments. Under this situation, I may

pay off my house before I hit disability. Then I will be able to

live in my own home, and can even use it for income if I rent part of

the house (it would take a minimal investment to modify the house for

this).

I should also add that I'm 39, never married or had kids.

What do you all think?

Joe Dunfee