 In most investment accounts, you can get money pretty quick if you need it. So keeping a whole lot of money in the bank usually is not a good idea because inflation is killing you. All right, we have Catherine in Gastonia. She said, I've heard people talk about the importance of life insurance, but I never fully grasped the importance of it until my husband died unexpectedly last month at the age of 61. And I got a check for $250,000 immediately.