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Us RWOLers have usually paid off all our debt including houses, are mostly living on investments/pensions and we have lots of time to spend it (leisure/volunteer work/doing nothing) as we see fit.

I've been living off investments for several years, and just started receiving my bridge pension (bridge till age 62) this year.  One thing that has been troubling me from the beginning is how fragile the situation seems in our tortious society.  What can I do to help judgment-proof my investments, other than spend lots of money on lots of personal insurance?  It goes without saying that I need to continue to have access to my investments to live.  I'm 55, and living on the pension and capital appreciation, rather than on dividends.  Fortunately, I'm having to dip into the till less often now that my daughter has graduated and is out on her own.

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