Clients typically have two or three primary objectives, each of which is in tension with the others: they may want to get out of debt and save for retirement, or they may want to be sure their insurance is adequate and build up their emergency fund.
The nature of economics is the distribution of limited resources, and every dollar spent on insurance means one less dollar available for debt repayment. Each of these goals may strengthen you financially and both can be done simultaneously, but the resources that go to one cannot go to the other. The real question is
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