Have you ever heard that the best comics have great timing? I’m not one of them. My timing is awful. I zig when I should zag, I go left when I should have gone right, and I couldn’t tell you how many times I bought a stock when I should have sold. Yet, as a musician for a living (yes, I actually make money doing it) my timing is what pays my bills.

Do you know how much money I spend on insurance?  Of course you do because you do too.  Auto insurance, health insurance, disability insurance, life insurance, pet insurance, and homeowners insurance just to name a few.  Insurance protects us from being wiped out financially.  We pay a lot of money for insurance but our insurance [...]