Every extra cent I&#x27;ve had for the past 5-6 years has gone towards paying off medical bills from a hospital visit that exceeded my insurance policy&#x27;s maximum by about $138k... I now have under $8k left to pay (everyone that would take sane payment arrangements or reductions has been paid off at this point).  It&#x27;s been very tough, I emptied my retirement accounts and have handed over tax returns etc. to pay it all off...<p>After this coming year, my plan is to start putting 20% of post-tax income into a Roth IRA.