Immediately. It's your money and you want it. Pay attention to the 2018 tax law changes, and make use of the deductions and benefits you are entitled to.
Earth quake, not that I’ve experienced either but the thought of the ground opening up and swallowing me is like a horror film, at least with a hurricane maybe you could find a place to hide.
If your mouth rotted off, and they said you could have a tube up your arse to feed you or they could attach a beak, so would you eat from your arse tube or a beak ?