5) Risk, Protection & Longevity (Playing the Long Game)

As an immigrant, you face unique risks that most Americans don't think about. A disability doesn't just threaten your income—it can end your visa status. A medical emergency abroad could leave you stranded. This section helps you build protection systems and think long-term about your health. You're not just surviving the next year—you're building a body and life that can sustain 30+ years of ambition.

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Get insurance beyond health (protect your income)

Health insurance is just the beginning. Disability insurance protects your income if you're injured or sick and can't work. For immigrants on work visas, disability is 'double jeopardy'—you lose your income AND potentially your visa status. If your employer offers long-term disability insurance, take it. If not, consider a private policy (expect to pay 1-3% of your income). Term life insurance makes sense only if you have dependents who rely on your income—spouse, children, or family back home. A 20-year term policy for $500k costs $20-40/month for a healthy 30-year-old. Avoid whole life, universal life, or other complex insurance products—they're expensive and the 'investment' component is usually worse than just buying term and investing the difference. Don't over-insure; match your coverage to your actual obligations.

5) Risk, Protection & Longevity (Playing the Long Game)

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