MMoneyVibe Tools
7Build my map7 numbers · 60sSign inYour Money Map
THE LIBRARY · PROTECTInsurance and protection shelf

Insurance and protection

Cover the risks that would break you, recover from a crisis, and choose health coverage well.

Three books, read in order: the foundations, then the strategies, then a deep dive. Each chapter works its numbers out with the calculators and cites its sources.

Volumes3
Chapters24
Reading time2.4 h
Calculators5
READ IN THIS ORDERFoundations → Strategies → Deep dive
01
VOL 1 · FOUNDATIONSInsurance Protection Essentials8 chapters · 45 min
  1. 01How Insurance Works and What It Is For
  2. 02Finding the Risks That Could Break Your Finances
  3. 03Building a Cash Safety Net Under Your Insurance
  4. 04Disability Insurance: Protecting Your Paycheck
  5. 05Life Insurance and a Plan for the People Who Depend on You
  6. 06Health Insurance and the Health Savings Account
  7. 07Home, Renters and Auto Insurance
  8. 08Umbrella Liability Insurance and Your Yearly Insurance Review
02
VOL 2 · STRATEGIESSecurity & Crisis Recovery8 chapters · 49 min
  1. 01Right-Sizing Your Insurance Coverage
  2. 02Securing Your Financial Accounts
  3. 03Credit Freezes, Fraud Alerts and Monitoring
  4. 04Recovering From Identity Theft
  5. 05Recognizing and Stopping Financial Scams
  6. 06Crisis Triage When Several Things Go Wrong
  7. 07Job Loss: The First 60 Days
  8. 08Natural Disasters: Coverage, Records and Recovery
03
VOL 3 · DEEP DIVEHealth Insurance Optimization8 chapters · 47 min
  1. 01How Health Plans Work: Networks, Plan Types and Cost Sharing
  2. 02The True Cost of a Health Plan
  3. 03The Health Savings Account
  4. 04Getting the Most from Employer Health Benefits
  5. 05Buying Coverage on the ACA Marketplace
  6. 06Medical Bills, Errors and Debt
  7. 07Planning for Medicare
  8. 08A Yearly Health Insurance Review
CALCULATORS FOR THIS SHELF
HDHP vs PPO total cost →Which plan costs less for my usage and where is break-even?Long-term care cost and self-insure check →What will LTC cost at 80, and can I self-insure?Term vs whole life →Whole life or term + invest the difference?Disability income need and runway →If I could not work, how long would savings last?Life insurance need and FI self-insure crossover →How much life insurance do I need, and when can I stop carrying it?
TERMS ON THIS SHELF
Durable power of attorneyDeductibleUmbrella insuranceHigh-deductible health plan (HDHP)Out-of-pocket maximumCoinsuranceMedigap (Medicare Supplement Insurance)Human capitalLong-term disability insuranceTerm life insuranceReplacement cost vs actual cash valueFlood insurance (NFIP)Fraud alertPhishingCOBRA continuation coverage