The Ultimate Insurance Audit: What You Actually Need, What You Can Skip, and When to Self-Insure

When it comes to financial planning, insurance is often treated as a monolith—a necessary evil that drains monthly cash flow in exchange for vague, distant promises of security. From the wildly eccentric (such as celebrity sommeliers insuring their palates or paranormal enthusiasts buying alien abduction policies) to the utterly mundane, the insurance market boasts hundreds…

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