I’d say the biggest unknown is job loss. Some on this board have experienced it and it is probably right up there with losing a home as far as mental anguish (ok losing a home might be harder) also the hardest thing to plan for. I would bet most people don’t have a plan B for job loss which eventually leads to home loss. A friend of mine was seriously hurt, out of work for almost a year, with all the medical bills and lower income finally lost his house, on the bright side he is still employed at the same place and now barely making ends meet as a renter. I’m always coming up with great ideas but never act on them, hence I’m working for “The Man”, comfortably however.