How to Money · Friday, August 7, 2026
A listener email prompted a discussion about long-term disability insurance, with hosts Joel and Matt agreeing that "brain workers" like podcasters should also consider it. They acknowledged their previous discussion might have been too flippant, noting that degenerative diseases or other serious illnesses could prevent even knowledge workers from earning an income.
“One of the things that you and I had talked about, maybe maybe a little too flippantly, was if you are a brain worker, like if we were, like we're podcasters, Like, what could happen to us that we wouldn't be able to make an income?”
“It makes me rethink, like, after our conversation, maybe I think she's right. I think we were just a little too flippant with that. I think more people, even knowledge workers, even brain workers, should should consider having long term disability.”
“It's not just for people like working in the coal mines.”