Bestselling Author and Retirement Expert, Dale McGregor, reframes “unexpected” expenses as often “unplanned” expenses—especially in the medical arena. He shares his own story of landing in an ambulance next to his son and talks through real-world shocks like surgeries, joint replacements, new medications, and long-term care. Dale explains why the old “just save” approach isn’t enough anymore and shows how modern tools—especially certain types of life insurance—can pull double or triple duty for protection, accumulation, and tax-free access.