I completely share the medical fear. The cost of american health care is absolutely terrifying. I'm only in my 30s, but got a taste of a bleak future when I had

I completely share the medical fear. The cost of american health care is absolutely terrifying. I'm only in my 30s, but got a taste of a bleak future when I had to get a whole suite of tests done to weed out what my doc thought may have been a major illness (turned out to be nothing, thankfully!). Those multiple x-rays, an MRI, and visits with specialists basically deleted a chunk of my HSA savings (even with my "good" insurance). fwiw, retirement wise (baring a health event deleting everything), I just do the "invest everything" strategy outlined in books like I Will Teach you to be Rich and Get Rich Slowly. I only keep 7mo of "emergency" cash liquid. All tax protected accounts get maxed out, and everything else goes into an index fund.