If you're going to live in the house make it your goal to just pay off your mortgage.
No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.
The world does not need another credit card.
If there is anyone dependent on your income - parents, children, relatives - you need life insurance.
It's not selfish to give TO yourself as much as you give OF yourself
The mind gives us thousands of ways to say no, but there's only one way to say yes, and that's from the heart.