The Best-Value Life Guide
Every item answers two questions: what it costs you, and what it buys back.
Who gets the return is also graded: you first, then spouse and immediate family, then friends and colleagues, strangers last — last isn't zero, it's just a smaller expected return to weigh against the risk.
You don't have to do all of it: this is a menu, not a to-do list. Take one or two and that counts; come back for the rest when you need them. For the cheapest wins, set Money to Free and Willpower to None on the left. The author hasn't done most of these either. Dotted cross-references open in place — you don't have to scroll.
The book can go stale and it can be wrong; many policies differ by locality. When you actually apply for something, see a doctor or go to court, go with what the local office, doctor or lawyer says. If you spot an error, open an issue.
Abbreviations and terms
Words with a dotted underline explain themselves when tapped or hovered. The full table follows.