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It appears neither of you have had a devastating health problem or you wouldn't be so sure that having insurance will take care of everything....even with insurance all it takes is one catastrophic health issue and everthing you have can be reduced to nothing.
And you need to be damn sure you know your policy inside and out....there are many who don't know the fine print and then later get surprised by something they thought was covered, but isn't.
Being confident is good....being naively over-confident can have devastating consequences.
I guess what I am trying to convey....nothing is a sure bet. Life experience has taught me that even the best prepared are sometimes caught flat-footed.
mmaddog
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