Oh yeah. It's not wise, but it gives you something significant to worry about. That's priceless for those (of us) addicted to stress and anxiety.

I can imagine that, but putting yourself unnecessarily into a financial situation where you have to keep earning doesn't seem wise. There's no room to even take time for highly likely medical situations.

Undisciplined

The prospect of a stress free retirement sounds good on paper, but the reality is boring as hell.