Are you over insured?
Too many people waste tremendous amounts of money on insurance premiums they could be saving money on.
Life Insurance – if you don’t have any dependents, you don’t need life insurance.
If you aren’t super rich, you probably don’t want an annuity either. The profit margin on annuities are obscene and the salesman gets paid first.
Car insurance – go with at least $1000 deductible. You don’t want to bother the insurance company for less and they don’t want to be bothered either. Obviously, you need to have that amount of cash available to deal with any small issues.