How do Mustachian early retirees plan and/or deal with the risk of catastrophic events that aren't easily insurable? I know most big risks can be insured against (i.e. home, car, life, health insurance), but there are still unforeseen events that can cause huge expenses. For instance: someone becoming disabled or needing extensive medical care that isn't all covered by insurance. Or what if one of your parents or other extended family member suddenly can't care for him/herself and needs full time professional care (above and beyond what their assets can cover).
Do you just plan to return to work if necessary or ensure there is extra buffer on the long term budget for anything unforeseen?
