I think that we should allocate our money into 5 categories.
2. Emergency fund. In cases of emergency, we should be able to get some money for it. Especially in countries where healthcare is not free, we should be prepared to pay if ever we get into accidents or we get sick though hopefully it never happens but still we have to be always prepared either way.
Having some spare money that can be spent on medicine is very important, because the moment of illness is always a very unpredictable event.
We never know whether our body has been fully examined, just as we don’t know whether we will get into a car accident tomorrow, because no one can say this for sure.
Therefore, the extremely responsible movement has a certain amount of money to heal.
I would like to point out that many people usually have insurance for such cases, but at the same time, I personally think that insurance is a pretty stupid waste of money, because it is very strange to pay money for something that you will try to avoid at all costs. And insurance policies often have small print clauses that say that they will not pay for most of what can happen to their client. I have encountered such events when they did not pay for obvious damage to health, because the insurer was cunning.