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How Insurance Actually Works
Every policy is a bet you're expected to lose — here's when losing it is the smartest move you can make, and when to walk past the counter.
Included free with All-Access — $20/year for the whole catalog.
What you'll walk away with
The one-line rule — insure what you can't afford to lose, self-insure everything else — and why it's sold to you exactly backwards.
The machine: deductible, coinsurance, and why the out-of-pocket max is your real worst case, run on one worked example.
A health-plan method (good year vs disaster year), the network check that disqualifies plans fast, and the triple-tax-free HSA.
The claims math, the never-buy shelf, and the two boring policies — term life and disability — that actually guard against ruin.
6 parts · 24 min
2
The Machine: Premium, Deductible, Out-of-Pocket Max
4 min
4 min
3
Health Insurance Without a Spreadsheet PhD
5 min
5 min
4
Car, Home, and Renters: What the Policies Actually Cover
4 min
4 min
5
When Not to File (and What Never to Buy)
3 min
3 min
6
Term Life, Disability, and the Coverage That's Actually About Ruin
4 min
4 min
Bonus: one-page cheat sheet
Every part's key points, printable — included when you unlock
Read Part 1 free — no account needed. $1 unlocks the remaining 5 parts plus the cheat sheet, forever.
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$1
unlocks all 6 parts