As has been said in other posts, you need to consider waiting till at least Medicare age because of the impact of healthcare costs and insurance is just part of it. For instance, I had a massive heart attack 1-1/2 years ago and the hospital bill was astronomical. If I had not had medicare the copay alone would have been a huge hit to my savings. The one word that everyone must remember is CONTINGENCY. There will be situations, especially as you get older, that most don't plan for. A lot of people do the math and plan for living 20 years...then wind up living into their 90's. The money runs out.