text: okay you should always have an umbrella permit that bridges your uh life insurance and your medical and your um um car insurance in case you run into a lawyer and you break his arm he 's going to sue the pants off of you these kind of things are about a hundred dollars a year so you you know these are all equivalent to the monthly budget things some of them are there to pacify situations and some of them are there to prevent things from happening
  
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  You should be prepared in case you get sued .