I doubt you saw this one coming
Every 2 years, you should review your policy. More often if your financial/family structure has changed. Here is a high level review of things to look for.
With so many options how do you know what you need? I'll walk you through the core things you actually need to know when setting up your accounts.
Some of the things we needed to know but no one bothered to tell us
Cutting through the noise. Washington isn't listening to any of us. So we should at least try listening to each other.