Planning ahead is clearly not something I can be doing right now. I'm too close to the edge, too able to totally forget how to cope. Yet my mind races ahead, and it's always nice to counter with answers. So this is what I'm pondering tonight. I reserve totally the right to change that at any point. (ie 2 hours ago I was freaking out about losing my job)
Anyway, my situation is this: I'm going to be 32 fairly soon. Retirement age for people my age is in the 70s and after Medicare will have died or whatever happens to it happens. Except that I'm not necessarily going to be working that long. Right now it seems like I may manage a few more years. It a way I want to just give in now and do the minimal amount of work that I would be allowed to do on SSDI. But work still is too beneficial to me, and is too much how I define myself, to do that. Which means I may try to cut to part-time, but that's just thinking.
Anyway, it's time to set up a 401k. Except that I'm not sure this is a wise move. I can't get enough money into it in the few years I probably have left working for it to matter, and getting more equity out of my house seems more important. It doesn't seem likely that I won't be on disability within the the next 5-10 years; let's assume I am not. Putting anything into a 401k is a hardship because my budget is so tight anyway. But my employer has a really good matching program.
Anyone with any thoughts? Caveat: Please don't tell me not to think of the likeliehood I won't work a tremendously long time. I know things change. I also know my situation and that all involved believe this to be true.