Should you invest first? Or get covered first? | Gallery posted by Stephanie🍃

I hear this quite often—and it does sound reasonable at first

“Since I’m still young, I’d rather invest first.

If anything happens, I can just use my investments.”

BUT BUT BUT! What if the “anything happens” comes before your investments have had time to grow?

In our 20s, most people are just starting to build wealth

doesn't have significant savings yet or heavily dependent on their monthly income

Which means our income is actually our biggest asset right now. 💰 then now imagine being diagnosed with a critical illness....

Would you rather:

A) Sell your investments (maybe at a loss), pause your financial goals, and worry about daily expenses

B) Receive a lump sum payout that supports your recovery—while your investments remain untouched

and yes, this is the difference!

Because investments:

❌ Fluctuate with the market

❌ Take time to grow

❌ May not be enough when you need them most

Whereas CI coverage:

✅ Provides immediate financial support

✅ Protects your income and lifestyle

✅ Gives you time and space to recover

It’s not about choosing one over the other. It’s about building the right order: Protect first, then grow. 🌱

Because the biggest risk to your investment plan isn’t market volatility— it’s losing the ability to earn‼️

If you’ve been putting this off or assuming your investments can cover everything, it might be worth taking a second look 👀

Or if you need someone to review, 📬 me!