

Also, when donating to local food pantries, remember that donations of money go farther and feed more than donations of food. Food pantries have access to economies of scale and can buy food cheaper than an individual can. So you’ll increase your impact if you just donate your cash straight to the food pantry, rather than going to the grocery store to buy food to donate. In addition, the food pantry will be able to more accurately supply what people actually need and stock what they are short on, rather than you just guessing.
Depending on how much you have set aside it can work, if you don’t have anything set aside and break a leg in a freak accident you can get stuck making massive payments on $20,000+ of medical debt and set yourself back several years. I’m sure it’s gotten more expensive now too, that was 6 years ago, and while I don’t have the debt any more, I also have complications from the surgery that still bother me that I feel like I can’t afford to get fixed.
That said, a high deductible plan can also leave you screwed, and doesn’t save you as much money as they act like it does. The pricing is different for insured vs uninsured patients, and your insurance company has basically negotiated the rates higher so you think they’re more useful than they actually are.