I'm essentially of the mindset of JohnFen (adjacent comment). If I have a health issue that crops up, I'm financially done anyway. Given this, I might as well c

I'm essentially of the mindset of JohnFen (adjacent comment). If I have a health issue that crops up, I'm financially done anyway. Given this, I might as well control the money rather than throw it into a pit and hope something useful pops out in an emergency.