Bankrate: In light of the impression they may have of the "Die Broke" plan, new readers
may be surprised that you're such a strong advocate of insurance.
Pollan: Oh no, certain insurance is very important. In "Die Broke," I'm the
guy who recommended disability insurance, which in my opinion is the most important
insurance for anybody. I think insurance is extremely, extremely important. Just
don't be a schmuck about it.