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That is a good point. We are not paying monthly premiums. Again, over the years we have chosen our employers very carefully. To be clear, we are lucky to have been in the place to do so.
That said, we also did very well when I was a public high school teacher. The pay was awful, but the health insurance we had was better than my wife could get at most corporate jobs at the time. We now use my wife’s corporate benefits because my family’s needs have placed me as a stay-at-home dad for several years. Once she got in with a company that actually values its employees, we made the decision to stick it out.
I care very much. Please read everything I wrote. The system is broken, and we need to fix it. In the meantime, since we must live within the broken system, it is wise to do a thorough cost/benefit analysis before accepting any job. Not everyone can do that, but some can.
We play pretty conservative baseball when it comes to personal finances. We have a smaller house further from the city than my wife’s peers at work. We buy cars that meet our needs, but our wants are frequently compromised in search of the lowest total cost of ownership. We make no major purchases without real research first. Our kids have not been to Disney, but they will hopefully be able to go to the college of their choice without a mountain of debt when the time comes.
We are very lucky, but most people that merch our income are not actually in as stable a place as we are. That stability comes from good decisions.