In my late 40s, I lost everything while working head down on a project. All of a sudden, my entire world was ...GONE. Save every penny you can in gold elsewhere. Switzerland, preferably. They are really good at it...they have been doing it for awhile. Stop spending money on vanity things and save, save, save. You can't fix massive disasters with no money. If I had a trust, I could have called my trust officer and had them put my stuff in storage, arrange a sale for some of it...something. But I had not a penny to my name. Don't let that happen to you. Don't be me.