WOW - I haven't even thought about "final expenses" yet. My worries are how I will be supporting myself in maybe 10, or 20 years. My father lived to be 93 and my medical conditions don't necessarily shorten my expected lifespan compared to my father. My father had high blood pressure and diabetes for many years before having a heart attack at 93. New York is an expensive city to live in and I wonder if I will need to move to a city that will be more affordable for me. I can't predict how long my savings will last, or how bad inflation might be in the future. So far I am not worried but who knows what will happen in the next five or ten years.