"Indecision is a decision - a decision which has huge consequences." This was a quote I heard a couple days ago, and I thought about how it could pertain to financial planning. Most people, myself included, think that saving money or getting life insurance is something that can be put off until tomorrow. You think that nothing will happen, so you procrastinate. When approached about putting a plan in place for the rest of your life, you might get defensive and think someone is just trying to make a quick buck. In some cases that is true, but the reality is that you should have, at a bare minimum, life insurance, because death is unavoidable. Think of your life as a car. You insure your car because you have to, but the main reason is so that you are covered just incase something happens. You may never get into an accident, but you pay every year so that you are protected just in case the day comes when you have an accident. So why not insure your life the same way. What if something happened to you? What would you do to make sure you had taken care of everyone and everything you left behind? Would you want to leave your family with nothing? Even if you are young and single, would you want to leave your parents with the responsibility of paying for your last expenses? The same way you would want your car insurance to pay you to replace a vehicle that was written off, would you want someone to help pay for your expenses if you were “written off”?