You can purchase insurance for nearly every possible unforeseen problem in your life.  Some problems, like death, disability, and severe illness are financially catastrophic and you need insurance to protect yourself.  Other problems, such as your car transmission failing or your iPhone screen cracking, are certainly nuisances and will set you back a few hundred or few […]

Once you annihilate your debt and start to accumulate assets, you will become a larger and larger legal target. The more you have, the more you could lose if you are found to be at fault for someone’s bodily injury or property damage.  You need to protect your hard work and lifetime savings.  The way to do […]

  Owning a home is a big accomplishment and provides you with a degree of freedom.   However, home ownership also exposes you to risk.  There are two main reasons that owning a home is risky: You have a large chunk of your assets tied up in your home.  If you were to lose your home from a fire […]

Do you think you’re a good driver?  Maybe you’ve never been in an accident.  Maybe you’re ACTUALLY an Indy 500 driver. That’s great, but it turns out it doesn’t really matter how good of a driver you are.  There are things out of your control, including forces of nature and OTHER people. Accidents can and WILL […]

Healthcare is extremely expensive.  In the United Sates, we spend nearly $10,000 per year per person on healthcare-related expenses. If you are healthy and have a robust emergency fund, you can self-insure against most routine office visits, medications, and minor elective procedures.  However, unless you have an 8 figure net worth, you can NOT self insure […]