I’m probably underinsured, but I tell my wife she’s super hot and could find a wealthy suitor pretty quickly. By the lack of pushback I think she knows I’m right.

Between net worth and life insurance, I’m curious how others view their insurance as a primary provider. My wife is not working now, but could return to a pretty high earning job. Do you look at it as a multiple of salary or annual living expenses, # of years without working, cost of raising gets, set for life, or something else?