In my work as a physician, I see a variety of unfortunate accidents and injuries.  Just last week, I saw a young 30-year-old pilot who crashed his plane and is now quadriplegic.  I also saw a heavy equipment operator who was crushed by a metal beam, resulting in a neurological injury with no use of his right […]

Unless you enjoy free-soloing like Alex Honnold, your chances of dying are very slim.  However, you still need to prepare for this rare but catastrophic possibility. Who Needs Life Insurance The purpose of life insurance is to replace your income if you die.  Therefore, if anyone depends on your income (usually a spouse or kids), you need […]

Insurance isn’t fun.  In fact, it can be downright boring.  However, it is absolutely necessary to understand the basics and spend some time setting up your policies.  You can spend decades earning your freedom, but if you don’t have the right types and amount of insurance, it can all be erased in a second by an unforeseen catastrophe. […]