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You have carefully laid out the best of plans for your family.  You’ve built up a healthy emergency fund and you’re living comfortably below your means.  You’re paying yourself first and investing a healthy portion of your income.   Everything is going exactly according to plan.

Then one day you swing by the deli to pick up a cup of coffee and an egg sandwich.  You step outside and unlock you car door and BAAM!  Out of nowhere a car jumps the curb and mows you down where you stand.

Just like that…you’re dead.

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