[ahelwer]

All of these concerns are real. You'll be reassured to learn that health costs are probably the fourth-most discussed topic in the MMM community, after safe withdrawal rates, asset allocation, and game plans during the next big market crash.

MMM's blog posts are very basic - you won't safely retire early if all you do is read them. Fortunately, people are responsible and put slightly more effort into planning their entire lives than uncritically following some blog post on the internet. For example, many people are planning on using a 3.25% withdrawal rate rather than 4%, and have much more in bonds than the 100%-equities-or-bust message on the blog.