Insurance. "No... I don't need life insurance." That's what many people say until 1 day too late. There are three possibilities for your future: 1. Rely on the government to take care of you when you get old and hope for the best. 2. Live frugally, and accumulate enough assets to where you are self-insured. 3. Work with an ethical agent and get financially fixed at a later date. If you do things right, in your 20s, you get a term life policy (very inexpensive) and start saving your money (in a smart, productive and secure place). By the time you are 50 or 60, you drop the policy since you have enough assets that you don't need life insurance. If you do things wrong (many people), you realize much later what you should have done, but didn't. If you talk with an ethical life insurance agent during a sharing session on financial planning, you can get a good idea of what this is all about without getting stuck with something you don't want or need. Are you interested in a discussion without commitment? That means education without signing anything. Let's talk. My cell phone is FLA-US1-GARY which is the same as 352-871-4279. We could even chat on Zoom if you like. Disclaimer: Gary of Gary A. Liljegren, LLC is a licensed Florida insurance agent in life insurance, health insurance, and annuities, first licensed in 1989. If you are in Florida, he can talk at length about any of those three topics, plus financial and estate planning. If you are outside Florida, Gary can discuss those topics as a Florida approved instructor (which he is), but only in the manner that an instructor would, with no details about specific products.