There are always unexpected costs like a washing machine breaking down, out of the ordinary expenses like new tyres, and those desire purchases we are influenced to buy.

My last few years since Pandemic were like that. But I started investing into INDEX funds and that has helped now my focus in HBD savings, dividend stocks. and so far things have falling into the place. Life is unpredictable, and we don't know what big expenses can wipe out the plan. Hence I have health insurance too.