I’ve been in banking for close to four decades now. I’ve seen a lot—bank runs, economic booms, the rise of online banking, and now, a new wave: neobanks. Every time the banking world shifts, people ask the same question: “Is this better than what we had before?” And now, it’s “Should I go with a neobank or stick with a traditional bank?”
The auto insurance industry in the U.S. continues to evolve in 2025, with premiums on the rise in many states due to inflation, increased repair costs, and weather-related claims. However, even in this environment, there are still smart and completely legal ways for policyholders to reduce their auto insurance premiums without sacrificing necessary coverage.
When you’re young, healthy, and juggling rent, student loans, or maybe your first car payment, it’s easy to look at health insurance as just another expense you could avoid. As a professional insurance planner who’s been in this industry for well over a decade, I often hear young clients say, “I’m healthy, I don’t go to the doctor—why should I pay hundreds of dollars a month for something I rarely use?”