Ladies, if there is one thing I love more than fashion, it’s protection. And I mean insurance. (I am not an insurance agent, btw.) I grew up with a mom who was kiasu about savings and investments so I had endowment plans and medical coverage from as early as I remembered. When I started work, I took over payment of those plans. I never really understood why I had to have “so many policies that do different things” until I hit my late 20s. That was when my dad was diagnosed with cancer.