Originally Posted by
Andy
I wouldn't recommend spilling much into RHA until your last decade of work and even then one should consider how long they and their spouse will live.
Respectfully disagree.
As a younger pilot I wouldn't proactively try to max out my RHA spill over by electing post-tax 401k contributions. I also wouldn't do anything to prevent it if my yearly 401k max and PRAP contributions would result in spillover.
Never know if you'll medical out at 50 or find yourself having to work less in the future.
It's a tremendous benefit and I am extremely satisfied with it. Somes pilots buy high and sell low and may underestimate their future healthcare liability.
I want $200-300,000 in it by the time I retire.