At some point I'm going to need a surgery that costs maybe $50K (and maybe a lot more if there are complications). How many people have that saved up plus livin

At some point I'm going to need a surgery that costs maybe $50K (and maybe a lot more if there are complications). How many people have that saved up plus living expenses? I'd like to have "fuck you" (or even "screw you") money, but the healthcare system makes it pretty tough.