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Wait, what about medical insurance etc. You typically do not have those benefits if you do part-time?

Many work for the sake of medical insurance. I have seen 4 software engineers un-retired recently(all in their early 70s), some of them felt retirement boring, some just need either benefit or more money, the latter one bothered me, supposedly software engineers are paid relatively well and shall retire with nice financials.

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This was one of my biggest fears before quitting my job. It's turned out to be complete non-issue.

Took me all of 2 hours to sign up for a plan (healthcare.gov or your state's ACA marketplace). It's obviously more expensive than if my employer paid (costs me low hundreds / month) and you may not get exactly the same tier of plan, but you have plenty of options.

It's not 100% ideal, but in my experience it was not nearly as dire as people make it out to be. Your mileage will obviously vary by state, age and family size.

single might be fine,family with kids could be quite different

They still have to manage that money properly. Lifestyle creep can be really difficult to combat.

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