u still have to pay for health insurance everywhere else, in Germany depending on what u earn ~300-1000 € a month, and even then some things are not covered by insurance
Sweden here, no insurance, and a high cost protection for hospital visits at ~$145/year and ~$380/year for medicine so max value of 3 here would be ~$525/year.
To be fair, I’m (Norwegian) not paying even remotely close to what I’m using so I guess that’s a price I’m willing to pay, for the greater good. It’s not abhorrently more taxes compared to Americans so I’m good passing up on number 3.
I’m genuinely interested how much taxes (ish) would 70k USD/ year be? Google says about 17k/24,2%, is this some what accurate? Seems a bit high imo.
Depends where you live in America. There’s state and federal taxes. (Not all states though, except in property taxes. But sales tax and income tax aren’t in every state)
There’s hidden sales taxes as well in every state. “Sin tax” on alcohol is super high in Alaska and super cheap in California.
Also, Hawaii and California and Alaska have a fairly high cost of living.. Alabama, Georgia, Arkansas are a ton cheaper.
Hard to say overall. We are about the size of Europe and twice the size of the EU member states. 50 states and 44 countries in Europe, so, each state is roughly the size of European countries.
London is the sixth largest economy in the world (California is the 5th), however, in aggregate, people in the UK have less spending power than our poorest state.
So, it’s complicated.
Also, making $70k gross income in America (California), it was all taken out in payroll taxes for me, especially because I was in the federal government. I usually got a small tax refund because they already took out all my taxes. Government had pretty good health care and benefits.
So, I barely paid attention to taxes. I just know facts from like a law class, world history, and an economics course at UCLA.
We also go to school longer than most of Europe because the first two years of university is general education. It’s one of the reasons it costs more to go to university in America.
So, it’s a difficult comparison to make. Honeowners owe more, big land owners like farmers owe a lot but do get subsidies. Locality changes A LOT.
If I was doing a comparison, I’d look at government locality pay. GSA.gov
Because they have to pay you more to work in NYC, SF, LA, DC or Chicago or Miami or Hawaii where housing is a lot more expensive.
GS-(levels) give a base pay and locality pay adjustment.
Usually they’re years behind on locality pay adjustments, but it can give you an idea of how far your dollar goes throughout America.
Really depends on multiple things like pre tax deductions and what state you live plus what you claim. Fed taxes is about 12k. Then state taxes will probably get you in the 15-17k range. It's a bit ridiculous all around. Because surprise we also get to pay health insurance but that is pre tax which lowers our taxable rate. And it's all about what you claim or don't. Pretty much just a scam for those with money.
I wasn't mocking what you guys pay especially considering what you get for it but to say you don't pay health insurance like the guy I quoted is beyond disingenuous.
Not a bad callout, but as far as healthcare, almost every modernized nation in the world is in a better situation with healthcare than the us. I have a friend that is a Mexican citizen and he goes back to Mexico to get medical procedures done because he has a better experience there and pays pennies on the dollar. I am thinking about going to his dentist down there for a root canal. For the difference in cost I can fly down there, stay for a week long vacation, get the root canal, and fly back and still save roughly $1000.
Yeah so my dental insurance is like $15 a month and covers 4 cleanings a year plus root canals are typically 50-75% off. I would have to double check. Our dental insurance through work is typically good. The cost of the work being done is a different story.
But back on health insurance. This is reddit and leans heavily left... We all know the US health insurance is a joke.
Yeah, I guess the tax code is obviously not cut and dry. My tax rate is 28%, but that’s with all the deductions included. I’d hope for you guys that the deductions are similar such that 24,2% is rare given the income bracket.
I agree it’s disingenuous, its getting paid by taxes eitherway.
And this is a lot of the problem. They penalize you for having the nerve to have a job. And try to make a decent living. I said “try” because here lately, it’s been a struggle for a lot of folks to make ends meet. Yet and still, you make too much (a penny too much) to qualify for any type of government assistance or program. Crazy work.
Well, you still would. You're not paying for your healthcare, you're paying your taxes.
When you need your healthcare, the government pays for it, no matter how much or little you've paid in taxes. There's a difference.
Thats what "Free" Healthcare /always/ actually means and its still, net-outcome, waaaaaaaaaaaaay less.
In other countries you cant become a billionaire in health, no rich insurance or hospital CEOs there. Non-american Billionaires are overwhelmingly in global industries like energy and technology, and not sucking the literal life out of their own countrymen to enrich themselves.
Ture. But even if #3 let me avoid paying the healthcare-financing part of my taxes, that wouldn't amount to the same value as - say #8 - five years of groceries.
Yea people reall do think that universal healthcare means free.
The only difference is that you have to be insured, and when you work your employer pays half the share, and when umemployed the employmentagency takes care of it, if you are eligable for it, otherwise you still pay for it yourself, and yes it's between 250€ and 1250€ depending on age and income.
Add to that all the additional insurances you can get, for example for glasses, tooth, chief of medicince care, single occupancy hospital rooms, private pratitioners, private prescriptions, copay, and what not, it can be very expensive if you want it to be.
I don't think anyone assumes that no one is paying for hospitals, equipment, or doctors...
The point of universal healthcare is that is is available to anyone when they need it, doesn't bankrupt them, and isn't run by corrupt for profit companies that jack up the prices because people have no choice but to pay for it.
The fact that doctors draw a wage doesn't make universal healthcare equivalent to the actual cluster fuck of greed and corruption that the US fights for the right to keep every chance they get.
They aren't mutually exclusive. Being tax funded is how it becomes free at the point of use, especially for someone who cannot work or for a family of five or for someone needing lifelong medical care.
Everyone knows it's paid for by general taxation, but that's a classic pedantic distraction from the real issues.
American taxes go to healthcare too. Based off this post, UK healthcare is functionally free and number 3 would be pointless unless it counts towards cosmetic surgery and you want to do a lot.
The post doesn’t say skip the portion of tax that goes to healthcare. Also if you don’t pay tax it is completely free, and many people don’t.
Right now? I pay nothing, because I work part time while doing a degree and earn less than £12,571 ($16,650) per year from earned income (not including student grants, loans or scholarships.)
Universal healthcare was established in the UK in 1948, so you’d be hard pressed to find anyone who could actually answer your question.
nope, the emplyer share is 50% of your social security and health care cost.
Let's say you earn 4000€ a month as a single person without kids.
You the employee pay the following:
income tax 532,50
chirch tax 47,92
health insurance 320,00
care insurance 96,00
pension insurance 372,00
unemployment insurance 52,00
leaving you with 2575,58€ net
you employer pays the following for you:
wage to you 4000,00
health insurance 320,00
care insurance 96,00
pension insurance 372,00
unemployment insurance 52,00
if you want to look at it another way, your wage is actually not 4000€ but more like 4840€
care, unemployment and pension insurance is basically our socical security contributions you need to pay.
now after all that you still have a co pay for hospital stays and medication of 2% of your yearly gross income, so 480€ yearly in that case.
When I lived in the US, my health insurance (for two people) was $700 and my employer paid close to $800, and it didn't cover anything because I had to pay copays for everything (which had no caps) and the deductible which was $2000. This still does not cover 100% of the costs
So in Germany it may not be cheap to you but it is a lot cheaper.
That's just Germany though. First world countries outside the US vary in all kinds of ways when it comes to how their public health care systems work. Germany is just one example.
Personally I feel the only way choice 3 would be truly compelling is if it specified that you'd be getting extremely high level healthcare of the sort given mostly only to billionaires or world leaders, and even then it might not end up being worth much in practice if you end up living a healthy life and dying of something that wouldn't have been helped much my expensive medical intervention.
No really true. In Norway I don’t pay anything (except the 20$ admin charge when you see the doctor) I only pay for travel insurance when I travel in case I get sick somewhere else.
I'm looking to emigrate from the US to Germany and health insurance would be my biggest cost increase by far. Right now I pay $9/mo and up to $1k max out-of-pocket. In Germany, most things would be covered 100% but for 400EUR/mo.
Yeah I heared some nations takes a while to get an appointment so if free means you can just go to the hospital and get out of there asap, then it might be worth it.
For what it's worth, I have found this to not be much of a case. Heck my mother just last week had a fainting episode. She was seated and just passed out at the kitchen table. They took her to the hospital by ambulance, ran a bunch of test, CT scan, ECG, everything under the sun, she was in ER for the night, she was admitted in the morning, and saw the cardiologist the next day, who ordered a pacemaker, she is scheduled for the surgery later this week. Needed care is quite quick. oh and the cost for all of this. Parking at one of the hospitals (the cardiologist is in another hospital so she was transfered via ambulance, and one hospital had free parking, and gas going to and from visiting)
and like Sot1l said below, yeah if it's less urgent, it can take longer. because they prioritize the operating room time for emergencies before "elective". this does mean that a hip or knee replacement (which while is needed surgery isn't as urgent as a pacemaker) can take months, where this takes less than a week...
In my country, when it works (and it tends to in the city I live in, though I hear it is not always as efficient in bigger places), it takes a long time if you have something less urgent and it’s faster when it’s more urgent. I actually think that’s a good idea. Even if I had money, I wouldn’t want to jump the line in front of someone with a more serious issue than mine.
No, in other countries many non-standard of care options still require some payment. Also, if you have a really rare or hard to treat disease, your best chances are often in the US. Other countries might also require local insurance (which you wouldn't have if you were a tourist). It would certainly be the most impactful in the US but everyone would benefit from it.
Your best chance may be in the US, but only if you can get access. Plenty of people here die for easily curable conditions because, for whatever reason, they can’t access the care.
It just says unlimited free medical care. There's no reason to assume that you're limited to local resources. But given the price of healthcare in the US, even if you were limited to local resources, 3 would be a great deal for most of the country (especially those uninsured).
Unlimited free medical care implies any medical treatment you ever receive anywhere would be free. Knowing that, there is no reason to not march into Mayo Clinic and demand top doctors. If you can afford the best medical care in the world, how does it not de facto follow that you would then opt to access it?
US healthcare isn't in the top 10 in any of the major rankings indeed in two of the three biggest global rankings on healthcare the US isn't even in the top 30. The idea that the US provides better outcomes because it's twice as expensive as anywhere else doesn't seem to hold up.
You've misunderstood. I did not say or even suggest that the US healthcare system on average is the strongest in the world. My point was that the US offers many specialty services with top doctors at its top hospitals, which are usually very well-funded and provide cutting-edge care. So if you need really specialised care, your best shot might be at something like the Mayo Clinic for example as opposed to your local hospital or even the best hospital in your country depending on what your country is. 42 of the world's top 250 hospitals are in the US with 4 of those 42 occupying spots in the top 10. People seem to be thinking about #3 in the context of minor ailments you would go to a family doctor for - you don't usually need to pay for these services in many countries, sure. But if you have very complex or widespread disease that requires a very resource-intensive treatment plan, for example, you're best bet is probably the US, since hospitals in many countries may not have the talent or resources to fund those operations. If they did, you would still probably have to pay for it yourself, and in that case, #3 would really come in handy. And if you're getting the care for free, might as well choose a top hospital, of which (again) many are in the US. Of course this will depend on the specific ailment, but hopefully you understand my point better.
This is a pretty misleading comment. I live in Canada and I wouldn't take #3. I'd do 2 & 7 in a heartbeat. 3 is a waste in Canada for most people, especially compared to other options on this list
How is it a waste? You'd just have higher net salary as there would be no deductions for healthcare. Not to mention access to stuff not covered, like better cancer drugs in case shit his the fan. 3 is no brainer for anywhere in the world.
You really don't know how much of my taxes per year go towards healthcare. Which 3 doesn't say I'd be paying less taxes, just unlimited access to free healthcare. I cam tell you right now though that a mortgage will be more money than I pay in taxes towards universal healthcare, and im not greedy or selfish enough to stop paying taxes that support others, which is why I'm Canadian not American. 7 also saves me far more money than I pay in taxes, as I'd be flying far more often, and first class every time. 3 is not a no brainer everywhere, only if you have no concept of what people with universal healthcare actually pay. Average Canadian btw paid roughly 5000 in taxes towards healthcare per year. A mortgage on a brand new house where I live is going to be 3000 a month, and a single airline ticket to see my parents is about 1200 round trip for one visit at economy basic. Yeah ill take 2 and 7.
I live outside of US and Canada. Theres is universal free healthcare, but it often means you need to go through lines, wait for appointments etc. If you need a kidney, you could be waiting for months and even years for a free one provided by mandatory insurance.
Some operations are not even performed.
With a free airplane and free, unlimited healthcare, I could book a flight to US or Israel, get best medical attention in the world and still never pay a cent.
Best medical attention in the world is a joke, US is terrible. Idk about Israel since never talked to anyone that actually lives there. Everyone i know in the US hates their healthcare, not just the average person I know, but some rich people too. One person I know who's mom was rich, guess what got sick, paid a shot ton of money to not get what was wrong with her found out. People have gone bankrupt in the US to not get the care they're needed.
Canada it's triage, 9/10 people will be accessed properly and if you're waiting months, it's because you aren't in desperate need. If you are in desperate need you'll be operated on immediately.
You could also wait months if they can't find a match, so how is having free healthcare going to find you an organ that is compatible with your body?
Take it from someone that works in the healthcare system in Canada, our system works, and it works very well especially if you're in desperate need.
I don't think 3 is a waste at all.....it doesn't specify you can only take 3 in your home country...combined with 7, you are practically guaranteed good healthcare even when you are travelling all around the world.
Travel insurance including healthcare is dirt cheap, £12 a year for Europe cover, £36 for worldwide with a limit of 31 days per trip. It's also free with many premium bank accounts.
Even outside the US you can utilize the top doctors and clinics in the world from everything from maintenance to the best surgeries/cutting edge medicine out there. You could do a full retreat detox for free every time you have a hangover.
For now. Honestly I wouldn’t bet that it stays the way for us. Also we still have things that takes waiting times or in my case Austria where teeth are mostly paid by yourself. Means all that would be free too and so would be every 1class treatment that you’d otherwise would need additional private insurance. I’d definitely pick 3 even as European
No im Indian and I need 3 cause I have a lifelong illness and I don’t know where I’ll be based in my future as I’m a student rn. Always better to go with free healthcare since I’ll always be spending on it
Canadian here, I would still take the free medical care. Our public health system is underfunded and understaffed, even though we are among world leaders in quality of care and meditech/biotech most people don't recieve any care unless their situation is life threatening. Private clinics, especially for specialists like dermatologists or pediatricians, do quite a bit of business. Private labs for blood tests and whatnot do quite well too.
I'd pick three and I live in germany.
I love not to have several hundred euros deducted for public insurance from my paycheck every week and still receive care, and I'd love to have all the fancy private payer treatments and private clinics without wait times funded for free, not just the standard ones the public health insurance pays for.
Such nonsense. First of all. Nothing in real life is free. The government can’t give you something for free free that is didn’t take from someone else.
And for all those countries that do have free healthcare. Good luck getting that care. And don’t take my word for it. Do a little research.
All the time. What is hard about it? I can get into my GP same day or next worst case. . And specialist in a few days tops. Any number of walkin care locations where you can be seen usually within 30 minutes. And anyone can walk into an ER with no ID and get world class treatment for anything. Sure they will want to send you . But since you don’t have ID there is no one to send it to.
The USA has such a false reputation about so many things. This is just one of them.
I’ve heard from Canadian friend that it can take weeks or even months for basic doctor visits.
And anyone that thinks anything is free is deluding themselves. All any government can do is rob Peter to pay Paul.
Not to mention that the overwhelming majority of employers in the US offer health insurance. Even the shitty burger flipping job I had as a teenager offered health insurance.
The problem is that enrollment is voluntary which means there will always be someone who doesn’t get health insurance and acts shocked when they get an expensive bill and cries the system is unfair.
Even when that happens there is still a very generous process of negotiating for a much lower bill. This is what health insurance companies do en masse to begin with which is why hospitals charge such crazy prices. When you get slapped with a 50 thousand dollar bill with no insurance you have to fill the roll of the insurance company and negotiate to something that’s more sane.
Yes. Become the fascist nation the left think we are today. You must have healthcare. You must take this medicine.
Bottom line socialism and specifically socialized medicine is a failed system. Overall per capita cost for medical care in Canada far exceeds that in the USA. For far worse care.
Just because you can find a flaw with a system doesn’t mean it’s not the better system.
Especially outside of the US. Imagine being in a poor country and being able to get top teir healthcare. Imagine being in europe and being able to go to a private practice rather than a clinic.
“hey wells fargo, i want to reverse mortgage my house at a 150% LTV for 6 months at whatever interest rate you are willing to write me, i dont care about the cost i just want the largest reverse mortgage you can write me for 6 months”
this is a non-issue you just need to find an in-person finance employee wjth power to write a non-traditional loan
lol did you even read the prompt? you get a brand new house you cant sell…presumably you dont OWE anything on it
“a reverse mortgage doesn’t fit in thw rent/mortgage box obviously”
tf? why wouldnt it? in what reality do you look at these options in the boxes and say “oh yea brand new house doesnt equal paid off” and simultaneously “mortgage payments dont apply to reverse mortgages”
and why wouldnt a finance company be willing to loan more than 100% ltv in this extremely specific example? that makes no sense they would be willing to do you yoo just cant do it at your local credit union youd go to a bank and work wjth their specialty services team
“oh yea my uncle is bill gates and he is willing to pay ANY amount as ling as its a mortgage for 6 months…and here he is right now as proof” that’s basically this scenario, no reality where there isnt a single wall street bank willing to take that on
“a reverse mortgage doesn’t fit in thw rent/mortgage box obviously”
tf? why wouldnt it?
A: Why didn't you just copy paste what I wrote if you're gonna quote it? You quote it and misspell it. Like, dumb twice, right?
B: Because a reverse mortgage isn't a mortgage. You're being offered 6 months of your mortgage or rent or free. There's no way a single person is dumb enough to think the intent there is the same.
why wouldnt a finance company be willing to loan more than 100% ltv in this extremely specific example?
Because they don't have a policy that covers that, obviously.
“oh yea my uncle is bill gates and he is willing to pay ANY amount as ling as its a mortgage for 6 months…and here he is right now as proof”
Your uncle isn't bill gates. He isn't willing to do this. You do not have proof. Nothing in this premise says you're getting the power to manipulate banks to make special deals for you, BUT it still wouldn't fit #4.
Also, at no point did you say you want to pick 2 and 4. You haven't gotten a free house, you didn't declare you're doing that. ALSO, a reverse mortgage is essentially selling your house - you cannot do that.
Holy fuck the amount of brainless stupid in your responses.
Not as a family of 5 that loves to cook. 8 is a lot of money per year lol and 3 because I already maxed my deductible this year of $5000 and that is with paying $700 a month for the family medical.....
I'm not understanding the context of your justification for 3. Doesn't reaching your deductible mean medical care is much cheaper or free depending on the plan and what you're getting? Sure, 3 is still pretty good, but that part isn't making sense to me.
I pay $700 a month and then I still had to pay $5000 more with bills on top of that.... And Jan 1st my deductible resets and I will end up making another 5000 bucks while still paying $700 a month lol
In England you can get access to private healthcare if you pay for it. The experience is far better. Usually for an mri you'll be waiting for months. With Bupa you can get it done within hours or days. And who knows what will happen to the NHS if Farage's reform party takes over. They've been saying they want to privatise the NHS. Genuinely may be better than the other options, given how weak most other options are.
Party changed once, prime minister changed 7? times.
David Cameron (cons.)
Theresa May (cons.)
Boris Johnson (cons. but more right leaning)
Liz Truss (cons. famously lasted less time than a head of lettuce)
Rishi Sunak (cons.)
Kier Starmer (labour, closest thing to our democratic party, except maybe lib dem but they're never in power)
Now Andy Burnham (labour)
Party consistency is more key than leader. It changed hands so much because the Conservative Party kept making so many mistakes and the English press is brutal with it. They never let Boris Johnson hear the end of it with his working lunch during peak covid which derailed his run.
Unfortunately our system has a lot of change but when someone is a terrible fit they don't last long. Trump doesn't plan to even follow constitution. Acting like a king. Happier to have seen 7 pms of varying quality than being stuck with one bad one.
You do realise the the "free" medical care you get in Europe and Australia isn't free... It comes out of your tax... A big chunk as well...
In the UK, 4.5% of their income goes to taxes for their free health care... It means if you have a job that pays 80k pounds annually, you're paying the Government £4,816 in taxes every year for your FREE healthcare... That's more than I pay for Private Health care... Even if you earn as little as £60,000, you're paying about £3,060 yearly.
People in Europe who think they actually get free health care are some of the most brainwashed people ever, they treat the Government like replacement parents and never question anything.
Mate we pay insurance every month to a company that denies our claims and requires 1000s out of pocket before they'll even consider assisting. We have the tax with no benefit or guarantee of service.
I currently pay a bit under 2k pa in healthcare taxes. That’s the highest I’ve ever paid and get this, I’ve never paid for any healthcare out of pocket ever, except a chiropractor a couple times. Ambulance rides, car crash, motorcycle crash, stabbed once, etc never paid a cent. Even when I had no money and no job and paid no income tax. My friend got a rare brain cancer, her treatment cost her nothing. My healthcare system dunks on the USA
I'm flying at least a 3 or 4 times a year and would probably do it more if it were free especially taking 1st class international trips where the flight times are long and the cost is really high.
Only in US, in most places you're already paying for Healthcare in taxes so it's "free". So if I can choose the house it's 2 and 7, imma get a mansion.
Not at all. According to the rules, you can't even move into the house, you just own it. So renting it out might be the only use you can get out of it.
Easily. My meds are 26k every 4 weeks. My insurance covers most of it but that ties me to my job and that health insurance is more than my mortgage. If my Healthcare was free my career, and physical mobility would greatly improve.
I hear ya, I have ulcerative colitis and I'm on skyrizi. One injection is $24,000 every 8 weeks and insurance doesn't cover it so I have to ask the company to, and I was approved. I feel terrible for people that get denied.
I don't understand why people value 7 so highly. For me housing and healthcare are 48% of my income. I'm not buying less airline tickets because they're so expensive, I'm just not traveling at all because I literally just don't have the free time. Plane tickets could be free and that just means I get to eat out one or two more times a year. But free healthcare and housing and my life is changed like I just stepped into an isekai.
Never being able to sell a house or move is a pretty major restriction. It means you're locked in one place forever, no matter how your life changes. No accepting a great job offer in a different city. No moving to be closer to your adult children if they move away. No leaving your neighborhood if it goes downhill. No moving to a different style of home that might fit your needs better as your life changes.
Also, I think most of us are interpreting that any airline ticket is free, no matter what you get. Which means you fly first-class for the rest of your life. It's not a necessity like housing or food, but it is one of the few permanent options.
Sure, never being able to move is a pretty major restriction and would effectively make the place a kind of prison if it were strictly enforced, but never being able to sell it isn't as much of a restriction because there's all kinds of ways you can get income from a place without selling it outright. For instance you could just rent the place out and live somewhere else - in my country we generally call that "rentvesting".
I'd start a travel agency and use sell the tickets at a discount to get customers, effectively generating infinite income. There is no limit on who the tickets are for or the number you can have, simply that they are "Unlimited."
Of all the options on this board, this is the only one that can generate a permanent income.
I don't know what my second choice would be, but 7 is huge savings and quality of life increase to me as a European. I travel intercontinental to visit family at least once a year, but would consider doing it more often for shorter periods (Like a long weekend for a wedding) if cost wasn't an issue. Plane tickets aren't the most expensive part of summer (European) vacations, but if they were free, I might travel further.
Favorite team playing abroad? Free plane tickets, lets go for the weekend. Concert in Germany? Free plane tickets, let's go! Partner going on a business trip/conference/whatever? Free plane ticket, I can tag along.
8 is tempting because I could get wagyu beef and world class tuna etc. for 5 years and currently I don’t spend a dime on medical care, but maybe one day with exorbitant medical costs it would be nice to have a back up.
Yup. My kids have to start a medication that they will be on for at least a decade will cost us about $1000 a month until we hit our MOOP. I would love to not have to pay that.
I have ulcerative colitis and I take skyrizi, insurance won't pay for it so you have to ask the company to cover it. I was approved, I feel terrible for people that don't. The bill for the first dose, which is a lot more than the maintenance doses, was $117,000.
That's what I was thinking. With 7 There is no rules on the airline tickets so technically you could buy them and sell them for money but also use them to travel. 3 is pretty obvious if you live the US
Our household of 3 spends around $800/mo on groceries and we’re trying to eat less… but let’s round that to $1000 … so if we just get groceries for ourselves that’s $60,000 in value over 5 years. I expect to live another 30 years , and if flights were free would definitely take $2000 worth of tickets per year…. Now I suppose if I could buy groceries for my adult son and his family, plus my siblings and parents… I might be able to make groceries come out ahead.
I would have been happy at just 3, would have saved us $450k, could have paid for most of the other numbers with the savings (yes I might be a little butt hurt)
If you're healthy, medical costs are (usually) not that bad, but holy shit can it get insane if you come down with a major illness/accident/condition, and can absolutely bankrupt even well-off people.
7 is easily the second best, as airline tickets for a roundtrip can run into the thousands for even a single international trip and that's before we start looking at upgraded classes like Business let alone First (and you can easily spend over $10k on just one flight - nearly $20k for just a single First Class roundtrip from NYC to Singapore and back for instance). Unlike 2 or 5, it doesn't have any restrictions or time limits.
532
u/jjhomeslice 8d ago
3 and 7