It's Brian Preston, the money guy restoring order to your financial chaos retirement investing

taxing. You've got financial questions. He's got financial answers. It's Brian Preston, the money guy.

All right, Brian. Here's the next question. This one is from Jake.

Jake said, do you guys or do the guys recommend supplemental disability insurance above and

beyond employer provided? Married 40-year-old working in software. So, Brian, I think first,

what is disability insurance? Why do we need it? Are the different types of it? Is what my employer

gives me good enough? Or should I think about also having some on the outside? Yeah, I think,

and I'm glad you asked the question, we did it because I think this is like most things.

I'm trying to make an analogy when it's unnecessary, but it's, um,

this is a big car. No, having a background in tax planning. Oh, everybody thinks tax codes

are so complicated. And I always just say, you have to understand the why. If you just go read

the instructions to a form before you actually look at a form, you'll have a much better understanding

of what the intent was for this. So, when you look at disability insurance, what is the why on

this is once again comes back to just like term life insurance is in case you die prematurely,

what's the things that will replace the income for unfulfilled obligations you have? And that might

be debts, that might be income for your surviving spouse, that might be education goals. Well,

just death is not the only thing that triggers that need. You know, there's a, there's actually a

lot of research that shows you much more likely to become disabled than you already even don't

truly die. It might not, might not be able to do your job. So, it's another thing that can be

ensured. And remember, we don't sell insurance. So, this is, this is our take on this is that I

think you have to first ask yourself, how susceptible is my family and my desires and my goals financially

if I'm no longer able to work? And for most of us, it's going to be highly. You're going to be

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