<prompt> Human: Im 22, and starting a salary job 55k at the termination of college graduation. I have 60k in debt car and school. Should I have life insurance? If not, what are appropriate times to have life insurance through life? Just now getting into learning more about personal finance.  <response>: Once people are depending on your income for their survival, you need to get life insurance to cover them if you should die. In general this would mean once you have a spouse or kids. 