It’s a longstanding trope by now – friend hasn’t contacted you in a while, and suddenly asks you for coffee. We know how this goes, and these days trying to sell you insurance might be the least nefarious of reasons why they have a sudden urge to have a beverage together. Nevertheless, it’s important to know how to guard yourself against such drinks, which can be expensive even if they pay for it.

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This is one part of the Working Adult Starter Park! See other parts:

• Savings and Emergency Funds
• Spending and Credit Cards
• Insurance
• More to come (subscribe to Telegram for updates)

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First, it’s best to narrow the types of agent you work with to those with a lot fewer clashes of interest. Next, identify areas of coverage that almost every working adult require, in order of priority: 1. Hospitalisation coverage Purpose: payment of hospital bills...