I entered the insurance industry when I was 23, still studying full-time and trying to figure life out. That year, I earned around $30,000 in commissions, and at that point, that was the entirety of my income. Money was tight, so the only protection I had was a private hospital plan from AIA. I bought it because I knew at the very least, I needed something for medical bills, but I didn’t have the capacity to plan beyond that. Everything shifted when I took on a full-time salaried role at 24, earning $3,600 a month. By then, I had proper financial planning training and was exposed to Havend’s way of thinking, especially the idea that at my age, my most valuable asset wasn’t my savings or investments. It was my ability to earn an income. That was the mindset change that shaped the next steps I took. Why I Prioritised Income Protection At that stage of life, I was single, had no dependents,...