[wdfifteen]

9 years retired here. You are right to be concerned about essential expenses getting out of hand. You can’t plan for global catastrophes and economic upheaval, but they can happen, as the last 9 years have shown. I find I spend more on hiring work done than I did back before, “I physically can’t anymore,” and “I don’t want to do this crap anymore.” Medical expenses are way higher as you age, and health insurance increases every year.