Regina Moore

AI Summary

→ WHAT IT COVERS Regina Moore achieved millionaire status before age 35 as a pharmacist, but her son's cancer diagnosis at age two forced her to navigate healthcare subsidy cliffs that now prevent her from working more. → KEY INSIGHTS - **Aggressive debt payoff strategy:** Moore paid off $30,000 student loans and a house with 50% down payment within two years by 2014, creating housing security that proved crucial when medical crisis struck and income became inconsistent. - **Healthcare subsidy cliff mechanics:** Earning above $50,000 AGI triggers loss of Oregon Medicaid coverage, forcing $20,000 annual healthcare costs including premiums and medications, making additional work financially counterproductive despite pharmacist shortage and her availability to help. - **Tax-deferred income management:** Moving money from taxable brokerage accounts into traditional IRAs keeps adjusted gross income below $50,000 threshold for Medicaid eligibility, demonstrating how FIRE practitioners manipulate realized income to qualify for healthcare subsidies while maintaining million-dollar net worth. - **HSA as emergency buffer:** Moore accumulated $100,000 in Health Savings Account invested in total stock market funds while tracking expenses for future reimbursement, providing accessible healthcare funds that helped family survive $12,000 out-of-pocket maximums during cancer treatment. → NOTABLE MOMENT Moore reveals she cannot accept additional pharmacist shifts during a shortage because earning income above subsidy thresholds would cost her family $20,000 annually in healthcare expenses, creating perverse work disincentives for capable professionals. 💼 SPONSORS [{"name": "Northwest Registered Agent", "url": "northwestregisteredagent.com/moneyfree"}, {"name": "Public", "url": "public.com/bpm"}, {"name": "Monarch", "url": "monarch.com"}] 🏷️ Healthcare Subsidies, FIRE Movement, Childhood Cancer, Medicaid Cliffs