[chii]

> predicting exactly when you are going to need your savings - eludes millions of people

it doesn't elude millions. it "eludes" those who didn't plan their financial journey, or take more risks than they should be (for example, not liquidating a chunk when planning on having a baby).

Just because people can't do it well, doesn't mean it isn't what they should be doing. Financial planning is not "put all money into the stock market and hope for the best", as the grandparent post implies.