Most people treat insurance like a box to check during open enrollment. They skim the options, pick the cheapest plan, and hope nothing happens. That’s a dangerous gamble. Insurance isn’t boring—it’s the defense line of your wealth game.

In this episode of the NoBS Collective, Stoy Hall sits down with Maxwell Schmitz, disability insurance expert and co-founder of Yetworth, to crush the myths and excuses people hide behind. They tackle why “I’m too young” and “I’ve got coverage through work” are lies that leave families exposed. Max breaks down the hidden gaps in employer policies, why disability is the overlooked risk, and how to reframe insurance as the foundation of your wealth strategy.

This conversation is raw and practical. You’ll walk away knowing the two policies you must review this year, the one question to ask your advisor, and why your emergency fund matters more than anything.