Money decisions aren’t just about numbers — they’re shaped by emotions, habits, and our personal “money story.” From overspending to fear-based investing, psychology often drives our financial mistakes. By understanding these hidden influences, you can avoid emotional traps and make smarter, more confident choices.

Insurance plays a vital role in protecting your finances, yet many people fall victim to common misconceptions that can leave them vulnerable. From believing life insurance is only for the elderly to assuming health and renters insurance are unnecessary expenses, these myths can lead to costly mistakes. This article breaks down the truth behind the most common insurance misunderstandings, helping you make smarter, more secure financial decisions. Don’t let misinformation stand between you and your peace of mind—get the facts and protect what matters most.

Starting young with the right insurance can lock in lower rates, protect your future, and build long-term savings. From choosing the right coverage to bundling policies and reviewing them regularly, smart insurance planning sets the foundation for financial security.

👉 Book your free consultation with WSB Hawaii today.

From a sari-sari store in the Philippines to leading a financial education movement in the U.S., Baby Rose and her daughter Sheene turned struggle into purpose. As immigrants and first-time entrepreneurs, they found empowerment through financial literacy—and now they’re helping others do the same.

Through World System Builder and World Financial Group, they offer free workshops and resources to help families build wealth, get out of debt, and achieve true financial freedom.

Their mission? Financial education for all—because knowledge changes lives.