I had a horrible day dealing with ex suing me and found out the court can make you use retirement money to pay for college so I was not a happy camper and saw little way out of my situation. Came home to find a letter from Medicare, I can start using it on 2/1. I wasn't expecting to get it until 3/18. What a relief. My COBRA runs out 1/1 and because of all my medical needs I had decided to pay for an expensive NYS Marketplace plan that takes all my doctors. I couldn't imagine how I was going to pay those high premiums and then the Medicare letter came in the mail.

I hate that saying "when God closes a door, he opens a window" but it's sure applicable today.