ruin
yesterday's plan was brilliant. absolutely brilliant. super genius even. except for one teensy weensy thing. most people would spend that $3000 per month on crap. they wouldn't save it to increase the quality of life of their golden years. kinda like the proverbial grasshopper who played all summer while the ants worked. then presumably didn't make it through the winter. anywho, health care isn't exactly like building up a retirement fund. but from the point of view of the individual, it's functionally pretty close.