What does it really mean to be financially ready, and where does insurance fit into that picture?

In this episode, Dr. Sev talks with Tony Steuer, financial fluency advocate and insurance expert, about how to approach insurance decisions with clarity and confidence.

They discuss:

• Financial fluency vs. financial literacy
• The role of insurance in financial readiness
• Term vs. whole life insurance
• Red flags in popular insurance marketing strategies
• Why liquidity and long-term costs matter
• The often-overlooked importance of disability insurance

If you’ve ever felt unsure about insurance or overwhelmed by your options, this episode will help you slow down, ask better questions, and make more intentional decisions.

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Join Dr. Sev's Wealth Warriors Community for more financial discussions and insights (FREE to join): https://www.skool.com/wealth-warriors-community-1025/about

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security.

Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/

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Tony's links

Website: www.tonysteuer.com

LinkedIn: www.linkedin.com/in/tonysteuer

The Get Ready Money Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-get-ready-money-podcast/id1480046083

YouTube channel: https://youtube.com/tonysteuer

Books:

Get Ready! (Financial document organizer)

Questions and Answers on Life Insurance

Insurance Made Easy

Tony's Bio:

Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial fluency advocate, award-winning author, and host of The Get Ready Money Podcast. As the founder of The Get Ready Movement, Tony is leading a shift in how we think about money—not just as numbers, but as a tool for living a more intentional and empowered life. Through his books, podcast, curated recommendations, and expert insights, Tony helps financial professionals, educators, and individuals ask better questions, foster meaningful money conversations, and take purposeful action. He serves as an advisor to Insurance Nerds and Dingo Technologies.

Tony’s thought leadership has earned recognition as a Finalist in ThinkAdvisor’s LUMINARIES Class of 2022 for Thought Leadership & Education. He has served as a Judge for the Plutus Awards, the MAIA Awards and the 2023 Finder Innovation Awards, and as a longtime member of the California Department of Insurance Curriculum Board. A trusted voice in the media, Tony contributes as an expert content reviewer for Nerdwallet, Bankrate, and Forbes Advisor, and has been featured by ABC’s Seven on Your Side, CNBC, Cheddar TV, The New York Times, Washington Post, Fast Company, Chicago Tribune, and Fox Business News.