In reality, life is triggered by two questions
How stable is your financial foundation WHEN:
- you die too soon?
- or you live too long?

One thing I realized after learning the X-Curve concept is that:

When a breadwinner had less or zero savings today, he shall seek PROPER healthcare and life protection immediately to protect himself, his family (and his family's assets). However, it shall also be necessary for that person to save (even in small amounts) and invest it to the right investment vehicles in order for that person to answer his needs when he retires.

If I were to ask you, were you able to build your financial foundation the right way?
If YES, good.
If NO, better change your mindset and increase your financial IQ immediately.