Most people think insurance is for “what if I die?” scenarios—but that’s not the real risk. In this episode, Tré and Sierra break down how smart families and business owners actually manage risk. From life insurance to disability and liability coverage, Tré explains how to identify what’s truly at stake—your ability to earn, live, and protect your family’s future—and how to match your coverage to your real financial needs. You’ll learn the difference between guessing and planning, and why overinsuring small things while ignoring the big ones is one of the most expensive mistakes Canadians make.You’ll learnThe four ways to handle risk: avoid, reduce, transfer, or ignoreHow to size insurance to your actual needs (not sales pitches)Why income protection often matters more than life insuranceThe key mistake most families make with coverageHow to make sure one event doesn’t ruin your financial plan

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