At its core, insurance protects against an unexpected, catastrophic financial loss. You can set financial goals and make plans to attain them, budget for unpredictable expenses, and create and fund an emergency savings account to provide for a temporary interruption or reduction in income, but all of that planning will be for naught if you fail to [...]
According to recent data, a large and growing percentage of Americans are living their financial lives as they did prior to the Great Recession that began in 2007. They do not budget or save, and they persist in using credit to finance their standards of living. These folks continue to pursue an illusion of prosperity. [...]

