If I ever found myself making one of these financial moves, I’d be frightened for my financial future:1. Having kids and no life insurance. If you die without life insurance, your kids will, at a minimum, be stuck with your funeral bill. Get a simple term life insurance policy, even if it’s just $100,000.2. Living without any health insurance. There’s a lot of noise about health insurance premiums being un-affordable. Don’t let that sway you from checking rates and looking into a high-deductible plan. If you can afford your iPhone and car payment, you can afford health insurance. This could be the difference between a $10,000 medical bill and a $1,000,000 medical bill.