I know what you’re thinking… getting so serious so soon? The fact of the matter is that I have reminded myself of what sorts of things can go wrong in this world. Your bank may call you from time to time and offer you seemingly useless insurance products. What if you become injured or somewhat incapacitated? What happens to your friends and family? Some financial institutions offer income protection insurance for as little as $30 dollars a month which provide you with a silver lining for a mishap you may experience. I look at my bank balance from time to time and think about how much money I have spent on insurance and I then think of what could happen if I didn’t have it.