Earlier quoted context omitted.
I'm guessing you don't have any savings or investments? You might want to plan ahead more than your next pay check. Investigate financial independence / retire early (FIRE.)
Yes I guess that works as long as a sudden bout of cancer or some other chronic illness doesn't turn your world around. Suddenly all the "plan to retire in X years" come into question. Will I be still living in X years? Will I be able to continue working and investing till then? Or will I have burn through all my savings? True financial independence doesn't come till you can weather such a storm and most people are n…
And no, I don't mean ignore the common-sense stuff like having life insurance if you have a family, etc.