If the latest TODAY Youth survey by is anything to go by, more young people are placing emphasis on financial independence. FIRE is not a bad thing.  But speaking from experience, younger people (through no fault of their own) tend to underestimate future expenses. So while it is admirable to aspire to FI, it is just as important to set realistic financial goals. So which are the constantly underestimated expenses? Healthcare This should come as no surprise. When you are 25, good health is almost taken for granted. You look at those old fogeys with their pot bellies, chronic back and joint pains, and you think, nah, this will never be me. I am too active.  Trust me, I was there. 15 years later, you are looking at photos from your first office Christmas party, and it hits you hard: Where did that dude go?  Lamentations aside, when I was a...