I am 40 years old and have a progressive genetic disease. I may be able to work until 60, but I may be permanently disabled in a few years. All I know is that regardless, I have no intention of working until ‘normal’ retirement age. I plan on enjoying what lessened years I have.
I am anticipating a promotion and raise, and my first instinct was to increase my 403b contributions. But then I thought “I’ll need that money well before 59.5”. Complicating this, I am also inheriting ~1 million when my last remaining parent departs. I also have money in a Roth IRA that I play around with and savings in HYS and CD’s.
What should my investing plan be, knowing a long life and retirement are likely not happening? I have no dependents, so no need to think about life insurance or leaving money behind.