Purchase long term disability insurance. You are twice as likely to become disabled from age 30-65 as you are to die. Long term disability insurance is almost unheard of for bankruptcy clients. Some of my clients might have purchased a modest short term disability policy but hardly any of them think it is necessary to purchase long term disability. If you are disabled for 3 months, you could probably maintain your current lifestyle if you save in accordance with #10. But if you were disabled for a year, how would you pay your bills for that lengthy amount of time?