Bank charges can vary a great deal, even in the same community. Get a low-cost Visa or Gold MasterCard, and be sure to pay off the balance each month. Alternately, get a card from a major airline that offers one free mile of travel for every dollar charged on the card. These cards cost more, but the occasional free air trip is an advantage, especially if the charges on the card are purchases you would make anyway. Several significant insurance purchases will help protect you from heavy financial pressure in case of injury, accident, or death.
Disability insurance is the most important insurance and the one least talked about.
A disability income policy covers wages when a worker is seriously injured or ill and unable to work for a long time. Some employers provide this coverage. If yours does not, you should personally obtain a policy. Social Security includes a disability income feature, but it takes a long time to process, is usually initially denied, and offers limited coverage. All disability income policies have a waiting period before they start payment to a disabled worker, and the longer that period is, the lower the insurance costs.