Most experts suggest carrying enough disability insurance to replace 60-65% of your gross earnings with non-taxable benefits. The reasoning behind this suggestion is that the other 35% of income you're not replacing equals the estimated amount of taxes that are withdrawn from your paycheck, savings you needed to do while working and other expenses that would go away if you weren&rsquo
I recently received counterfeit bills in change from the grocery store. Someone had gone to a lot of trouble to paste a “5” over the “1s” at the corners of the bill. I thought it seemed like an awful lot of work and a lot of jail time to do (if you get caught) for only four dollars! Turns out, it’s actually common practice.