The math doesn’t work out. If you save 3% of gross starting at age 22, get 8% returns, and target 50% of gross for disability income you only cross the threshol

The math doesn’t work out. If you save 3% of gross starting at age 22, get 8% returns, and target 50% of gross for disability income you only cross the threshold to make it to 65 at age 56. Like all true insurance, we’d expect disability insurance to be expected value negative but this isn’t something it’s practical to self insure.