Everything has risks. It’s not a matter of safe vs. risky; it’s a matter of which risk do you want?
What worries you?
We live in a place where we could have wildfires or earthquakes or blizzards. The deductible for earthquake insurance has been a motivator for keeping emergency funds on hand. The cost of health care does concern me. Costs are rising faster than the rate of inflation. We would not rule out health-care tourism, though it’s not our first choice. But we’re resourceful people, and we’ll be able to figure things out.
What helped me was realizing there’s no way to live without risk. Most people would say that the safer choice is to keep working and saving. But the health challenges that I’ve seen my dad go through make me realize there’s a risk of working — that is time I’ll never get back. It’s not a matter of safe vs. risky; it’s a matter of which risk do you want?
