Well, the plan z really just needs to be acceptable to you. As in, if the worst can happen is that your face is eaten by wild dogs, but you're OK with your fac

Well, the plan z really just needs to be acceptable to you. As in, if the worst can happen is that your face is eaten by wild dogs, but you're OK with your face being eaten by wild dogs, then you should be fine (absurd example for illustration only). Of course, lying to yourself about your risk tolerance is where a lot of people go wrong, in both financial investments and in life decisions.