California E&S Insurance

a 30%+ health buffer is absurd. that's additional years of people's lives spent working that they will never get back, based on edge-case catastrophasising. the overwhelming majority of people don't have to spend anywhere near $20k annually for medical treatment even for serious conditions, especially after FIRE when all sorts of subsidies kick in as your earned income drops to nearly zero if your broader point is that people retiring earlier should have a buffer, that can be done through a lower SWR/ bond tent/ cash buffer. but to slap 30+% on top of what is already a conservative SWR of 3.5% is overkill this is overly conservative, and leads to people who might otherwise have FIREd earlier to lose their main resource of time. time spent working when they could be living their lives instead, just to push for the additional 30+%

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