<prompt> Human: Hello PF!tl;dr: rare genetic disease maywill leave me wheelchair bound by 55. What steps can I take today in my early 30s to protect my family financially and also provide care as I get closer to being completely helpless!Hoping for some advice, because I really dont know where to turn. I am in my early 30s with a wife and children. We currently bring in around 200kyear as a family and are still on the upward track in our careers... but this post is not really about our financial situation today or in the near future. As the title states, there is a rare genetic degenerative neurological disease that runs in my family. Without getting into too many specifics, if I have the DNA, then I am looking at a slow reduction in my mobility until I am wheelchair bound somewhere between 55-60. My grandfather died just before he turned 70 and my mother is trending the same. Near the end you can barely talk and are completely immobile. I may not have the disease, but I highly suspect that I do. Unfortunately, my family is at a 100 hit rate as far back as anyone can remember. What would be the best way to protect my family knowing that I may not be able to work in my prime earning years while also taking the necessary steps to provide an avenue for my wife to not be the sole caretaker when I may need lots and lots of help. This problem is unique in that I can purchase whatever insurance policies that make sense while being fairly certain that they will eventually get used!  <response>: Id just plan on early retirement. And Id do life insurance before youre formally diagnosed with anything and if your job offers it without medical checks take it. 