The huge financial services industry and the much smaller community of Financial Independence and Retire Early (FIRE) bloggers differ on many fronts. Yet, we all agree on one principle – sustainable withdrawal and retirement success through simulation models. Of course, we all need to know our sustainable spending rate. But, as we saw earlier, focusing solely on the simulated probability of financial success only increases the relative probability of a non-financial event wrecking our plans. Today, we seek a new angle to one such non-financial risk factor that impacts your financial future.