Sometimes this thread sounds more like something from stocknet.com not sailnet.
I thought the OP was wise to introduce the subject.
When you value self-reliance, as we all do, then you plan for future contingencies. Those include possibility that you'll need something to live on someday besides a youthful spirit and a rich uncle. Having the sense to plan for 20 years ahead makes planning for hours or days ahead come a little more naturally.