Insurance, money, investing, budgeting, life insurance, family planning, buying home, managing a 401k, etc. boring and practical yes. The sooner you get this and apply it, the more secure you will be. When James' cancer took over our life we didn't have to worry as much because of good decisions early in life. Boring and tedious, sure. But, this knowledge will match the power and earnings of your career and in our case surpassed it. Example, at both our jobs we signed up for the maximum long term disability insurance. A young person is more likely to be disabled than die. Once you have any health problems, you will be denied the chance to increase any insurance. But by doing it when we were young, the insurance companies could not deny or take away our coverage. Cancer strikes one in two men and one in three women in their lifetime. Prepare for the statistics, they are very real. We were young, active and healthy. At first we thought, what a waste of money. But we never missed the pre-tax dollars and were comforted with security when needed. Take advantage of pre-tax investing and compounding. Find experts through referrals and utilize them, etc... Thank you Suze.