My retirement plan involves stuffing as much money into creditor-protected assets and then declaring bankruptcy if I get a huge medical bill. I see no alternati

My retirement plan involves stuffing as much money into creditor-protected assets and then declaring bankruptcy if I get a huge medical bill. I see no alternative in today's world of "surprise" out-of-network charges. The types of assets are protected in Texas: 1. 401k + IRA (plus Roth versions) 2. Home 3. Two vehicles 4. Permanent insurance (i.e. whole life / indexed universal life - not optimal unless you want to leave money to heirs) Other states aren't quite as generous with the creditor protection, so check your state's laws.