[TedDoesntTalk]

Do you know how many “mights” and “may not” are in your post? A lot.

You “might” lose half your investments after working 16 Hour Days for 20 years to a divorce. You might get hit by a bus.

Nothing is promised except for this moment, right now.

[ryandrake]

It's a risk trade-off vs how many years of life you have left. Nobody has a crystal ball. I'd rather have enough to retire and then die unluckily, than not have enough to retire and live until I'm 100.