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Alsadius comments on 2015 Repository Reruns - Boring Advice Repository - Less Wrong Discussion
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A couple addendums:
1) If you have a family, your death goes on the "would financially ruin you" list. If anyone needs you, you need life insurance - and term is extremely cheap(I just sold a couple half a million each for $50/mo), so don't use money as an excuse unless you're destitute or extremely ill. To a lesser extent, disability insurance(though it tends to be pricier).
2) You may not want to ever retire, but the human body in old age is a very insistent creature. Plan on retiring. Better to have and not need than need and not have.
Further adding on that: Depending on the legal structure of the retirement fund, it can serve as a replacement for smaller insurances or you can have your children inherit it. Or have donated to charity upon your death.