Hi anon, definitely insurance will be the key consideration. It is the safety net that will always be there regardless of market condition. Insurance will pay you the amount of money you need when you need it. Had a hospitalization, and covered by a shield plan? Your hospital bill is taken care of. Out of work due to CI and fighting to recover? Your expenses can be taken care of by your payout. There were many considerations to take into account when selecting the right policy, including what kind of insurance is important at this life stage, what amount of coverage I need, and what my affordability factor is. Naturally, my health, being good when I was young, is also a key consideration. If I was saddled with health issues, I would probably not be very insurable. So yes, sort your insurance out first. Make sure you have that safety net. If you never use it, it's not a problem either. No one expects to use the airbag of their car, or the lifevest on an airplane. But if you think about it, which is more expensive, the airbag or the car? Insurance is your plan B you never hope to use, but when push comes to shove, you will be glad you have it.