Why Insurance Is Essential to Your Ramsey Baby Steps Plan

You’ve cut spending, paid down debt, and built your first emergency fund. But one unexpected crisis—a car accident, medical bill, or even identity theft—can undo all of it. That’s why insurance isn’t just a checkbox in your Baby Steps plan. It’s the invisible shield that protects your progress.

✔️ Why insurance is the most overlooked risk in the Baby Steps
✔️ Real-life examples of families losing progress without protection
✔️ How independent agents shop 40+ carriers to fill gaps affordably
✔️ The difference between term & whole life—and why term matters
✔️ How to align coverage with your Baby Step stage

💡 Don’t let one claim wipe out years of progress. Insurance keeps your financial foundation strong while you keep climbing.