Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How much life insurance do I need? 
After some thought, I follow Dave Ramsey's advice because it's simple and I can do the math in my head - no online calculator needed. :) You need Life Insurance if someone depends on your income.   You can replace your income with a single lump sum of 8-10 times your current income where those who need your income, can get roughly your salary each year from the life insurance proceeds.