Health insurance is a must, even if your employer provides coverage—it’s wise to have a separate personal policy to cover gaps. Life insurance is also essential if you have dependents. Avoid mixing insurance and investment—opt for term insurance for life coverage, and invest separately. Don’t overlook other types of insurance like home, vehicle, or disability insurance, Finance tips depending on your needs. Along with all these, financial literacy is a powerful tool. Take the time to educate yourself about financial concepts.