Financial protection is easy to postpone because it produces no visible return — until it's needed. At that point, having or not having the right coverage determines whether a difficult situation becomes a financial catastrophe. The priorities: a fully-funded emergency fund (3–6 months), term life insurance if anyone depends on your income, disability insurance (you are more likely to become disabled before 65 than to die before 65), and basic estate documents (will, beneficiary designations, healthcare proxy).
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