Insurance is one of those topics that people either ignore or overdo — and both extremes can cost you dearly. Whether it’s life insurance, disability, long-term care, or even property and casualty coverage, being either over-insured or under-insured can throw a wrench in your retirement plan. The goal isn’t to have the most insurance — it’s to have the right insurance for your stage of life, risk tolerance, and financial goals.

We are living through the largest wealth divide in human history — and it’s only getting wider. The top 1% of the world’s population now controls more than half of global wealth. That gap isn’t closing anytime soon, especially as artificial intelligence (AI) reshapes the economy and governments flirt with policies that sound compassionate but often backfire.

If you purchased an annuity years ago, it may have seemed like a safe and steady option at the time — maybe it’s been paying you a “guaranteed” 3% rate. But here’s the problem: the world has changed dramatically since then.