3 Ways To Protect What You’ve Worked So Hard For 

So many professionals work so hard to make and accumulate money, but then slip up when it comes to protecting it. 

Here are 3 ways you can protect what you’ve worked so hard to accumulate:  

1) Use a credit card instead of a debit card  

When you use a credit card instead of a debit card, not only can you accumulate points and additional benefits such as price match guarantees, insurance, and purchase protection. But also in the event of a fraudulent charge, you can dispute the charge before it gets sent out for payment, whereas with a debit card you cannot do this. With a debit card, you’d be chasing money that’s already left your account.  

2) Insure your income with disability insurance 

1 in 4 people end up too sick or hurt to work before retirement.* This can cause irreparable damage to your accumulation strategy, as every financial plan is dependent on income to fund it. Without income, the plan dissolves. Don’t be the person who is financially impacted by this statistic. It’s easy to assume that the likelihood of you getting hurt is minimal, but only 12% of disability claims are due to accident or injury; 88% are due to illness.** 

Should you lose your income for the part of your career, disability insurance insures you against the disruption this can cause, both to your current lifestyle and to your retirement plans. The best-laid plans are worthless if the income is not there to support them. Knowing that your financial goals are protected in case of the unexpected provides enormous peace of mind that enables you to focus on the present rather than worrying about the future. 

3) Secure adequate life insurance so that you and your family are financially protected when you die 

If you’re not around to make sure that your financial plan is realised, everything is for nought. Life insurance is important for continuity to make sure that the financial reality is had, with or without you. Life insurance is about life expectancy — if your life is short, it enables your financial plan to materialise without you. If you’re blessed with long life, it conserves what you’ve built.  

The right amount and the right type of life insurance can provide you with universal peace of mind, regardless of what happens to you and when.  

To find out more about how to protect what you’ve worked so hard to accumulate, order a copy of my best-selling book Get Your Money Right.

Get the hard copy here.

Get the Kindle copy here

Here’s to your wealth, 

Michael W. Hanna 


Registered representative of and offers securities, investment advisory and financial planning services through MML Investor Services, LLC. Members SIPC (www.SIPC.org). Azura Wealth Advisers is not a subsidiary of affiliate of MML Investor Services, LLC, or its affiliated companies. Supervisory Office: 420 Lexington Avenue, Suite 2510, New York, NY 101720. Phone – (212) 578-0300.


*The Social Security Administration Fact Sheet 2019 **Integrated Benefits Institute, Health and Productivity Benchmarking 2017 Long Term Disability, September 11, 2018

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