As a child, my father would always yell at me and say, “Act your age!” My smart mouth would usually reply, “I am! I’m a kid.” This usually resulted in appropriate spankings and punishments that always ended with me being sent to my room. What’s the point of the story you ask? I often try to ignore my age, maybe even defy it, by continuing to do those things that make me feel young. At the age of 47, I broke my leg playing football and then suffered a torn rotator cuff bench pressing more than I should have. Since my parents passed away several years ago, I find myself having conversations with them in my mind and I can hear my father calling me a few names and making fun of me for not acting my age.
I always try to look on the bright side of life, and my recent injuries have caused me to look at this as an opportunity. You see, I have a HSA eligible medical plan with a $2,000 deductible and out of pocket expense of $4,000. Now that I have blown through that in the first 4 months of the year, it is time for me to get the full tune-up. I spent the last few years being thrifty knowing that one of those years was coming, and here it is. It is time to get on the calendar of the dermatologist, get that 50-year-old man exam, and see what else needs to be adjusted. Hopefully what I spend in 2015 will give me another 50,000 miles before the next trip to the mechanic.
The fact is that everyone ages and life throws a mean ass curve ball when it wants to. If your employer offers an HSA plan, try to maximize those contributions. If you plan your injuries accordingly, you can save yourself a lot of money in both taxes and health care! Maybe that old saying from Ben Franklin should be altered to include the word healthcare between death and taxes!