With insurance? When you're self-employed and have no other jobs but the ones you provide. It's easy to not add the 'heavy' monthly premiums of insurance. It's really not that bad. Stacking k's in the bank is great, until you fall down. Then say goodbye to everything you've saved. Before I had insurance I was stuck with an 8,000 bill for being looked-over and a glass of water during an ER visit.
Health $197.00 [Monthly] BCBS
Dental $32.09 [Monthly] BCBS
Term Life $31.86 [Monthly] BCBS
<-- Cancelling this covereage, cheaper elsewhere and I have no children.
Vision N/A
Month Total: $229.09
Annual Total: $2,749.08
Automotive $138.70 [Monthly] Progressive
Annual Total: $1,664.4
Renters $69.00 [Quarterly] Assurant
Annual Total: $276.00
ANNUAL SUBTOTAL: $4,689.48 (Total without term life covereage)
Get total coverage for less then half an annual visit. Plus if you spend 7% your adjusted gross income (AGI). You get to write it all off
Friendly reminder to the others like me.