Further protecting financial health is the ability to avoid using credit cards in unexpected situations by keeping an emergency fund. determining the need for insurance. For example, having sugames slots machinefficient health insurance can keep unexpected medical costs from throwing financial plans for a loop. To guard against loss or damage from theft or fire, homeowners should also think about getting property insurance. For people who have dependents, life insurance is also crucial because it guarantees that their loved ones will have financial security in the event of an early death.