Term Life Insurance - What Are Some Good Governing Principles?

If you are following the financial order of operations and you have deductibles covered in a savings account, and you've done step fourad you have a fully built emergency fund. Odds are your mergency fund is'to be large enough to cover whatever you're deductible or whatever your out of pocket max is. So gruth, i think once you do get intoto, years two and three of maxing out, it's ok if you're going to be one of those four % of folks that uses an h s a in the triple tax advantage way,. But for the first year or two you might need to keep that in there.