I consider homeowner repairs an expense you can budget for, you just don't know when you will need to spend the money. I hope to retire this year, and I have money set aside for a new HVAC system as mine is 29 years old, but well maintained. I could replace it now, but who knows, it could go many more years. I sold my parents house with the original 53 year old Lennox HVAC, and I talked to the buyers and it is still going strong coming up on 60 years old. I also have money set aside for a water heater, but being it is electric, unless we crash the car into it in the garage like we did with the one it replaced, a couple of $25 heating elements and a $125 service call should get it back on line. We bought a car in 2018 that should carry us through retirement, and we are considering trading in our 2 commute cars on one small run around town car before we retire.