Healthcare
I have a little story. Once upon a time, I quit my job so my wife could go to pharmacy school and I could be at home with my daughter. We'd live off our ample savings, but quitting my job meant losing our insurance, and we went without for several years. Then I began to get nervous, and found a cheap "disaster plan": it had a highish deductible, but everything after that was covered at 100%, so if I had a heart attack, go cancer, or got hit by a car, we wouldn't have to fork over every penny we had. The plan was about $130 a month for me and my daughter. (My wife was covered through school at about $100 a month.) We rarely went to the doctor/hospital, so it didn't matter too much.
...