Thanks, good point. Many of those costs are foreseeable. For example we might not know exactly what kind of dental work we need, but it's pretty likely we'll have some kind of dental surprise within 10 years.You didn’t ask me, but I’d make a best guess at my long-range plans are and budget accordingly. Will I need a new roof, car, furniture, dental etc. Plan for what you KNOW you will need, even if 10-15 years out. Then establish a safe emergency fund for the truly unexpected.