The whole point of FIRE is that you are planning on being significantly unemployed, a lot sooner than most people. Even fairly early into that 20-year career, y

The whole point of FIRE is that you are planning on being significantly unemployed, a lot sooner than most people. Even fairly early into that 20-year career, you'll have an emergency fund that can get you through a lot of otherwise-pretty-dire situations. Never hurts to get injury and disability insurance, too.