Most people in their 20s either skip insurance entirely or overpay for the wrong coverage. Here's what I see over and over again:

1. Only getting the state minimum on auto insurance. If you cause an accident and damages exceed your coverage, you're paying the difference out of pocket. That can be tens of thousands.

2. Skipping renters insurance. It's usually $15-20/month and covers your stuff if it gets stolen, damaged in a fire, or flooded. Your landlord's policy covers the building — not your laptop, clothes, or furniture.

3. Staying on a parent's health plan without a backup plan. You age out at 26. If you don't have employer coverage lined up, you need to shop the marketplace BEFORE your birthday — not after.

4. Ignoring life insurance because "I'm young." Term life is absurdly cheap in your 20s. We're talking $15-25/month for $500K+ in coverage. Lock it in now while rates are low.

5. Not bundling. Auto + renters from the same provider can save you 15-25%. Most people don't even know to ask.

If any of this hits home, that's exactly what we help with at FBInsurance. One consultation, clear answers, no BS.