People need to realize that managing risk costs money. As an individual consumer, you are many times better have paying a little extra for something in exchange

People need to realize that managing risk costs money. As an individual consumer, you are many times better have paying a little extra for something in exchange for reducing your exposure to risk. Do things that de-risk your life. Make sure your health coverage is good, and not just the cheapest insurance plan. Make sure you have life insurance.