When my husband and I went to set up our first will, the family lawyer told us an interesting and scary fact. As a young to middle-aged individual, you are significantly more likely to become disabled than die. So, there we were making arrangements for the unlikely death of one of us, and actually gaining a valuable lesson. While wills and life insurance are important, statistics tell us that disability insurance is where we should put our most dollars. If you have a decent emergency savings, the most important next step is to invest in long term disability. This can … Continue reading →