Confusion in FIRE planning: How does anyone planning FIRE deal with the annual increases in Health, Auto and Home Insurance. What number do you use to project? Premiums for Health Insurance rose 18% Home Insurance 15% Auto Insurance 10%.....the numbers are all over the place. They certainly aren't tied to the CPI. How does Firecalc account for these wild increases if they assume increases based on some markedly smaller number like 3% inflation rate. Most of us don't have COLA driven pensions / health plans, so what do most folks do to project ahead or do some folks just drop the insurances all together and just pray for no bad outcomes.