This book is the second book in the series "Money Essentials for Young Adults" and a follow up to "Money and Debt". The focus of the first book is on debt and the cost of debt, to help make informed money decisions. The focus of this book is on the risk inherent in any insurance and investment choice and to aid one in handling the uncertain financial future. An assessment of risk is always the first step in all investment and insurance decisions, and it holds true for all. One needs to avoid taking on financial obligations with significant risk one is not prepared for and learn to make financial decisions with a certain degree of confidence under an acceptable degree of uncertainty.