Here’s the triple whammy:

1. Lose your job between age 48-65
2. Keep supporting a family and cover them with good health insurance
3. Try to get a quality job with good health benefits even though you’re now “too old” and “overqualified” when looking for work that offers a good health plan.

4. Bonus: A family member gets very ill or needs chronic meds and then you get to waste your savings. What a surprise - this tends to happen in the 48-65 age bracket!