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And not to overstate it, but even healthy folks can very suddenly get hit with catastrophic health expenses. Saying that you both lead healthy lives so you won't get a disease is unrealistic.

All very true. But I am in the same camp as Decath. Genetically and lifestyle wise, a catastrophic health expense is not in my cards. Therefore, my HSA account is a pseudo-retirement account.

However, genes and habits won't prevent some dumba$$ drunk driver from broadsiding me into early retirement/prolonged rehab. Therefore, disability insurance. The 6 month gap between zero income and being declared disabled is covered by my emergency fund that covers 6 months of living expenses.

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