18. Make Sure You Have Insurance
Nothing can derail your finances faster than getting into a car accident or having a medical emergency without proper insurance. Just the time that you may have to miss from work can be enough to set your finances back months if you have not planned appropriately.
Having adequate insurance is the most important thing you can do to ensure that these unexpected events do not run you off the rails. Make sure that your health insurance is sufficient to cover hospitalizations, preventative care, and any other needs that you might anticipate. Ensure that your car insurance is adequate that if you do get in an accident, your finances will survive (even if the car doesn’t).