FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

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All FIRE means is that you have enough assets such that the expected returns cover your living expenses. Only you will know what this looks for you.

Based on your prompt, it sounds like the most unique aspect of your specific situation is that you have some relative uncertainty around how you will cover costs for a special needs child without insurance - I would focus on getting an answer on that, and then build the rest of your plan around that.

likesmart

You're right. Thanks for your feedback.

Brian Preston "the Money Guy" on YouTube has a special needs daughter.

Here is one episode, a little dated, where he goes into a bit more detail and you might find interesting.

https://www.moneyguy.com/2016/07/all-you-need-to-know-about-able-accounts/

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Nice. I'll follow him.

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