Protect Your Future: Insurance & Estate Planning Basics

Ain’t nobody wanna think about worst-case scenarios—but pretending bad stuff won’t happen is how folks end up wiped out. Listen, insurance ain’t sexy, but neither is bankruptcy. Here’s the bare minimum to cover your ass:

Health Insurance – Obvious, but 1 ER visit can cost more than your car. Get it through work, Affordable Care Act, or hell, even a short-term plan beats nothing.

Term Life Insurance – If someone depends on your income, get a 20-year term policy. $20/month could save your family from disaster.

Renters/Homeowners Insurance – Your landlord’s policy don’t cover your stuff getting stolen or burned up.

Estate Planning – Not just for rich uncles. A simple will (FreeWill.com takes 20 mins) stops family fights over your Xbox and grandma’s ring. Add a "payable on death" form for bank accounts—bypasses court nonsense.

Spend one afternoon setting this up. Future you will sleep way better.