What I *thought* this post was going to be about was constructing financial horcruxes as ultra-conservative, protected sources of money that can "bring you back to life" in the event of a catastrophe.
E.g. Say you have a family member gets sick and hospital bills bankrupt the family (not fun). Your horcruxes might be a retirement account (which is protected ala OJ) or your house (if you live in Florida), and there'd be enough cash in the "horcruxes" to either cover your cost of living while you recover or give you enough "seed money" to start building your finances back up. I have no idea what would serve this function up here in Canada (pretty sad that I can think of two US examples and I don't even live there).
Obviously the ROI of these investments isn't the priority, instead its an insurance policy to have a source of a little cash in case things go horribly wrong.
