This thread is for practical discussion in 📊 Planning & Financial Protection. Share your opinion, examples, lessons, and what you think other members would benefit from hearing about this topic.
I came back to this because it is still relevant.
What stands out to me here is how much context changes the answer. Two people can make different decisions for good reasons.
This feels like the sort of discussion that can help both new readers and regular members at the same time.
A thread like this can become really valuable if people add examples instead of broad general advice.
This topic has the kind of angle that can bring out very different but very useful answers.
I think threads like this get better when members share the exact situation behind their opinion.
It would be interesting to see how people answer this after more experience, not just at the beginning.
Questions like this usually work best when replies explain the tradeoffs, not just the final choice.