You have a lot riding on your investments.
You are looking ahead and hoping that your can afford to retire, that you are not working until you drop. You want to make sure your children or grandchildren can receive the education they need without sinking deep in debt. You want to start your own business, or want to have the security that your health care costs are covered for the long-term.
What would happen if you did not have the resources to achieve these goals? Does that mean a child will be in a lot of debt to got to college? Or having to re-mortgage the house to start that business, putting the roof over the family's head at risk? Does the medical treatment needed for yourself or a loved one that is not covered by insurance just . . . not happen? That thought is painful, but that is the reality we face when we do not have the money we need when we need it.