This is related to the human tendency to overestimate the danger of unpredictable risks. The danger of a major financial disaster for a healthy and educated yo

This is related to the human tendency to overestimate the danger of unpredictable risks. The danger of a major financial disaster for a healthy and educated young person in a developed country is much lower than it seems. I know many such people that traveled across the country, some with no money or possessions to their name. None of them were broke for more than a few months, and within 6 most of them lived a similar lifestyle to the one they left behind. The danger is much greater if you're unhealthy, uneducated, or have other liabilities, but that doesn't apply to a good portion of the HN crowd. What a lot of people don't think about is that a true disaster will knock you out even if you have a steady job, insurance, and education. I know several people whose lives were forever changed by a lawsuit, medical bills, and health problems. These risks are barely affected by anything you can control, so in most ways it's best to just go on as if they don't exist.