When most people hear the phrase "Financial Planning," they immediately think of the stock market, Bitcoin, or buying property. They think about growth , returns , and wealth creation . This is the exciting part of money, the offense. Image: Snyman & Associates But any coach will tell you: Offense wins games, but defense wins championships. In the game of life, Insurance is your defense . It is the unglamorous, often grudgingly paid monthly premium that quietly ensures your e