I've worked hard to ensure I'll have enough funds and despite there being setbacks (some I've even mentioned in Hive over the years) that's not my main concern (although it's always a strong consideration of course). It's more about where I want to be and when (what stage of my life) as I don't want to become a burden on others by being in their proximity. It's difficult to look into the future so I'm planning it out carefully, trying to see it from all angles and working towards covering off on the unexpected that I know will always present itself.