[hinkley]

What if Dave gets aggressive ALS and there is stem cell research that looks promising, but basically he has to help fund research? Does Dave need that now? Can he ask for it back?

I worked with people who tried to retire early but got embezzled. They knew someone whose wife got diagnosed with cancer months after retirement and that money just went poof. You can’t see the future, you don’t know.

What you know is that people overplan for emergencies and miss out on positive experiences because if it. These are not the same thing.