 an appropriate combination for your specific situation. Life insurance, not permanent, just term inexpensive life insurance. Do you need some? Who would be harmed in the event that you passed financially? How much would they be harmed? A good certified financial planner will run an insurance needs analysis as we do at Creative Planning and quantify the value of your life, not from the important aspects of the value of your life, because it's probably invaluable when you consider your spouse and kids. I'm not talking about that.