Dr. Michael, a 34-year-old orthopedic surgeon, is the primary earner for his family. With a salary of $630,000 and three young children, his financial obligations are substantial, including a $691,000 business loan and $312,000 in student debt . His wife, a teacher, brings in additional income, but it’s insufficient to cover their lifestyle or liabilities if he becomes unable to work. Dr. Michael expressed concerns about securing his family’s financial future, particularly how they would manage mortgage payments and education costs if his ability to practice were interrupted due to injury or illness.
On top of these financial responsibilities, Dr. Michael feels the weight of uncertainty. He knows that if a serious illness or injury prevents him from working, his family ’s lifestyle and future plans would be at risk. With mounting debt and three young children, he fears becoming a financial burden. For Dr. Michael, protecting his income is not just about money — it’s about safeguarding his family’s stability and peace of mind.
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