See, that’s the big question

Right now if he understands fully vested right on his 401k (which I’m not sure he does) he would be staying long enough anyway to get that 5% additional cash on what he’s been socking away. The two times would work out to be pretty close to the same so then it wouldn’t be a problem.
They’ve not talked dollars and cents to him yet, just mainly been feeling him out on the idea, so we don’t know what the boost would be. He’d be moving up more than one level in the company ranks, so it should be a good chunk. So far his two pay raises with this company at his current level have been $2 per hour the first year and $1 per hour the second year. He’s also had a couple of bonuses, one of which was good size., but ds got the same size one so it was more profit sharing based than merit based. Other than they are moving ds up quickly.
Dh is not a money person. I’m the math nerd although he has been stricter than me on the budget this last couple of months, so for dh to take the management course I think would help him on managing the household if I were gone—after all my parents both died younger than I am now.
One of the reasons he is thinking about staying with the company until sometime in 2017 or a little later has to do with medical insurance. While he is already on Medicare part A due to his age, I don’t qualify until January 2015 and with the jump in premiums due to Obamacare we cannot afford to insure me without the company insurance and with my medical history of cancer in my 30’s and the destruction of my thyroid in 2009 I need to have GOOD insurance.
Once I turn 65 then we will need to look at the best plan for parts B and D as well. I know before Obamacare dh’s B alone was going to be over $100 per month and we’ve been told it’s gone much higher, for 2 of us this could mean we are going to need a big nest egg.
Ds, or as you know him Sean, plans on staying with this company for as long as possible. He likes the work environment, he likes the owner’s ethics and he loves the respect he’s given—something he’s not had in some other jobs. They call him dh’s clone at work and are willing to support him in any education he wants to take. People, much his senior have already started coming to him to answer AutoCad questions when his dad isn’t around. The various bosses and the owner all say he’s a valuable asset to the company.
They also say they can see that dh has trained him well. They have told dh they think any investment in dh’s training shows up in ds. Dh was told this a month or so ago when they informed him he’d be going to AutoCad University again this winter. So we think he’ll be okay.