Layers of Defense
Start with three to six months of essential expenses, then consider disability coverage, term life for dependents, and liability protections. Add digital backups, password managers, and clear documentation for loved ones. These layers work together like nested shields. Review annually on a fixed date. If gaps appear, address one per month to avoid overwhelm. Share your checklist so others can adapt it, and celebrate each completed layer as another reason your nights feel steadier and safer.