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#1. Health insurance
#2. Disability insurance
#3. Life insurance
I am so glad I live in Canada. But that only covers #1, thus I buy extra disability insurance and also life insurance. I realized a long time ago that as a business owner working for myself that no employer would be providing these things for me.
I've always said treat your business like a business. That includes having everything that matters to your financial future properly insured, claim all income, work smart rather than hard, pay your taxes, save and/or invest a % of what's left, and honor your word to those you do business with.
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