John Roth

[Michael Guimarin @Guimarin]

Running the math on this is insane.

Here’s the math, slightly adjusted for my wife and me, who were married at 26 instead of 25 but this is roughly accurate. We spend $0 most years on healthcare because we eat well and exercise.

Here’s a real-world case study:
• Started at age 25 paying $1,000/month in premiums
• By age 30 it was $2,000/month
• Today at age 38–39 (with 4 kids) it’s $4,000/month

That’s roughly 10% annual growth in premiums over 13+ years.

The Alternative Plan (“Forced Savings”):

• Invest the full premium amount every year in the S&P 500 at 6%
• Keep actual healthcare spending very low: $1,000/year base (inflating 4%) + 4 home births at $6k each
• From age 45 onward: Take a 2% annual distribution to cover healthcare + living expenses

The Results:
• Age 39 (today): $464,000
• Age 45: $1.07 million
• Age 55: $3.17 million
• Age 65: $7.97 million

At 65 the 2% distribution would be ~$160,000 per year — and growing.
This family would have a nearly $8 million nest egg while still covering real medical needs through low utilization + smart investing.

For the record the 6% number is the most important. I used the historical rate, but what if we’d used the actual rate?

Using Actual 13.87% S&P 500 Return (Past Period)

• Age 25 to 39 (your real 14-year timeline): Monthly investments into the actual S&P 500 at 13.87% annualized total return (with dividends reinvested) while premiums grew at your observed 10% rate would have built the account to approximately $880,000 – $950,000 today (after low medical costs and the 4 home births).

• Future projection (age 39 to 65) at conservative 6% annual return:
• Age 45: ~$1.8 million
• Age 55: ~$5.5 million
• Age 65: ~$14.2 million
• At age 65 the 2% annual distribution would be approximately $284,000 per year.

[John Roth @JohnRothT]

@elonmusk 👍

[WSU Cougar Women's 🏀 @WSUCougarWBB]

Another milestone in Cancun! 🚨🌴

Beyonce Bea scored point number 2️⃣0️⃣0️⃣0️⃣ for her career in today's win!

#GoCougs | #CougsVsEverybody

[Christa Sanford @CSanfordVandal]

Just wondering if people read the stats correctly…and this was getting double teamed, sometimes triple teamed. Was 💯the focus of every team scout.

[John Roth @JohnRothT]

@VandalsWBB @BeyonceBea5 No fooling, leads in both scoring categories (total & PPG). Rebounds #3, FG% #2, top 5 in FT’s, blocks, mins, Can play anywhere/position on the floor. Drops 40 points in the last regular season game. I guess I’m just unclear on the selection criteria. What would it take?

[John Roth @JohnRothT]

@jada_bea @BeyonceBea5 IDK if I can say this but the only MVP question now is, is the vote unanimous. Leading scorer in league total & PPG (5&6 respectively nationally) top 5 in a host of other league categories. Can play the 1-5, and probably the best person you’ll ever meet. She is built different.

[Big Sky WBB @BigSkyWBB]

MAKE WAY FOR THE 👑🐝

In 3 games ⬇️
▪️96 points ‼️
▪️30 rebounds ‼️
▪️60 FG% ‼️

What a way to wrap up the regular season @BeyonceBea5 👏

[John Roth @JohnRothT]

Wow! https://t.co/jyvSeBm7O2

[John Roth @JohnRothT]

Exactly!

[Big Sky WBB @BigSkyWBB]

In 2️⃣ games ⬇️

🏀 54 points
🏀 20 rebounds
🏀 POTW honor

👀 out for @BeyonceBea5

[Big Sky Conference @BigSkyConf]

#BigSkyWBB Player of the Week honors go to @VandalsWBB’s @BeyonceBea5 after her amazing performance this past week for the Vandals 👏

#ExperienceElevated

[Big Sky Conference @BigSkyConf]

a @BeyonceBea5 appreciation post 🤩

#ExperienceElevated

[Big Sky Conference @BigSkyConf]

#BigSkyWBB Player of the Week honors go to @VandalsWBB’s @BeyonceBea5 after she dominated in the first week of conference play 👏

#ExperienceElevated

[Idaho Public Radio @IdahoPubRadio]

For the third time this season, @BeyonceBea5 of @VandalsWBB has been named the Big Sky's Women's Basketball Player of the Week. Bea recorded a total of 52 points, 16 rebounds, seven blocked shots and four assists this past week.

[Big Sky WBB @BigSkyWBB]

Can’t stop @BeyonceBea5 👏

🏀 52 Points
🏀 16 Rebounds
🏀 7th Career POTW Honor

[Synergy Basketball @SynergySST]

The most efficient offensive players in women's college basketball as the calendar turns to 2023:

[Big Sky Conference @BigSkyConf]

#BigSkyWBB Player of the Week honors go to @VandalsWBB’s Beyonce Bea after she helped the Vandals with 🔙 to 🔙 wins this past week 👏

#ExperienceElevated

[Big Sky WBB @BigSkyWBB]

Queen @BeyonceBea5 👑

51 points + 16 rebounds 🤝 Player of the Week

[Meg Wochnick 🍂🍁 @MegWochnick]

As special as Washougal’s football season was in 2022 — an undefeated league title, a 2A state playoff appearance — QB @HoldenBea5 (40 total TDs) believes it’s a stepping stone for what’s ahead for the Panthers 🏈.

https://t.co/vfH62XNU1l

[Holden Bea @HoldenBea5]

Full SZN highlights! Finished 9-2! Proud of all my brothers🖤🧡
- Undefeated League Champs! 7-0
- 2A GSHL OPOY
- Passing 2,569yds. 30TDS.
- Rushing 547yds. 10TDS.
- 3,116yds. & 40TDS. Tot
@BrandonHuffman @Washougal_FB @AndrewNemec
- Check out this video! https://t.co/apRb9UPxAC