Best hope you don't get sick. And nobody in your family gets sick or dies. That was my plan until I got MS at 26. Oh, and hopefully everything progresses as y

Best hope you don't get sick. And nobody in your family gets sick or dies. That was my plan until I got MS at 26. Oh, and hopefully everything progresses as you foresee. For example, I chose a college (back in 2006) and borrowed 2k my freshman year. Senior year I ended up having to take out 30k because 2008 wiped out my dad (who was helping) + his wife cheated on him and froze all their assets while they had a messy divorce. Or how I went to grad school in Canada because it was cheaper and I calculated whether I should cash out my retirement accounts or borrow more, planned, and managed to live, pay tuition, and save on ~25k/yr in Vancouver, BC. When I was planning my move back, the Canadian dollar crashed literally the week I made the conversion and I ended up 2k short of what I expected (after about a decade of holding steady). Then throw in kids and spouses and hopefully nothing happens to any of them. Better hope you accurately predict the rising costs of healthcare, childcare, etc. too, and hope that nothing else pops up and becomes unaffordable. (College used to be affordable, I wonder what's next?) The idea that you can plan a life out is a nice idea, but things happen, and it's not people's fault.