100%
We are aligned - I started last summer and have mitigated my liability to the max. The issue now is, I can do little more, unless I retire, and even then, I cannot escape a lot of the exposure.
For many I think the binary choice will be - spend it whilst you have control of it, or reduce consumption as much as possible, and simply ride out these imbeciles. That depends on factors such as age, whether DC still in school etc.