There is a specific kind of pain that makes you irrational. A toothache is one of them. Last year, I woke up with a throbbing pain in my lower molar. It felt like a heartbeat in my jaw. I knew what it meant: Root Canal. I immediately panicked about the cost. I didn’t have dental … Read more
Signing up for my Whole Life insurance policy took 15 minutes. My agent came to my house, drank my coffee, and smiled while I signed the papers. It was fast, easy, and friendly. Cancelling that same policy three years later? That took two months, five angry phone calls, and a lot of lost money. If … Read more
I still remember the meeting. I was sitting in a coffee shop with a financial advisor—let’s call him “Mark.” I was 29, recently self-employed, and terrifyingly aware that I had zero safety net. If I died, my family would get nothing. No corporate payout, no pension. Just my savings account, which was… let’s say, modest. … Read more
Every year, the same thing happens. You get an email from your health insurance provider saying your policy is up for renewal. You open the attachment, and your heart sinks—the premium has gone up again. Most people just sigh and pay it. They assume the price is fixed. But here is the secret that insurance … Read more