A lot of people where I work already have their own families. Generally, they are the group of people in the workforce that is really driven and competitive. Most of them hardly miss work and are only out of the office only at family emergencies. The occurrence of such emergencies is not that often so you hardly see them leave their work station. I guess your priorities change when you have your own family already. We on the other hand, those who are still single and unattached are working mostly to afford our whims and luxuries in life. I still manage to save up a bit from my income but it’s not that much.
I really wanted to start saving for my future family and I was told by my older colleagues that I should invest a good portion of my savings in insurance and start to compare life insurance rates at an early time. Not only I get useful benefits and coverage, I can convert the insurance premium in cases that it was not used up within the contract duration. It felt like a practical and sensible idea so I might look for an insurance agent to discuss my options.