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to echo healthcare =

Who expected a pandemic in 2019? Lots of people have ended up in an ICU. Those beds without treatments are in the range of 10K per day.

Hospitals are increasingly selling their past due accounts to bill collectors who regularly take people to court, freeze checking accounts, etc. Are your college funds protected from bankruptcy?

Congress giveth and can taketh - Maybe the idea that budgets will be balanced by another tax cut will die and the folks in Congress will decide to try more taxes? Marginal rates were easily 90% in the 1950s.

Unless you folks have health issues, you likely will see at 80 and if your families have a history of longevity, 90 is reasonable. That is a long time - 30 years ago no iPhone flat screen TVs were a really expensive item.
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