CapitoliaThe last chapter gave the rule. This one runs it over four cases.
Two thousand euros net a month. What you bring to the people who live with you.
Twenty years before the youngest child stands on their own.
It is not your life being insured. A life has no price. An income does.
Four hundred and eighty thousand euros of income still to come.
It stops on the same day you do. Without notice, and all of it.
Your emergency fund, meanwhile, lasts six months. Twelve thousand euros.
You felt covered. Put the two numbers side by side.
Forty times too small. No reasonable saving closes that gap.
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The hole, and what you had put against it.
Second case. The harm you cause to somebody else.
A fire starts at your place. It does not stop at your door.
Your own losses are bounded: you cannot lose more than you own.
This one is not. Your flat, the building, the neighbours. Nothing stops the series.
It is the only risk on this list you cannot put a figure on in advance.
Rarely called upon. And the day it is, it is the only thing you have left.
Third case. The home, and it reads in two parts.
The contents can be replaced. The walls are another order of magnitude.
That is why home cover is compulsory for a tenant in many countries.
Fourth case, and the only genuinely arguable one. Supplementary health cover.
It does not cover ruin. It covers what the system leaves you to pay.
So it is not judged by the rule, but by a comparison.
The year's premium against the care you expect. If the premium wins, it is a subscription.
Where it is optional, it is the only one of the four that has to be calculated.
Four cases. Three that ruin and settle themselves, one you weigh up.