game changers for personal well-being. Getty Some of the biggest expenses a person will face are buying a home, meeting family needs, and educating their children. Besides that, you have to stay in good health and, in case of serious illness, face the costs of hospitalization, treatment, etc. The costs of treating a critical illness can be astronomical. In my case, after my brother was injured in an accident that left him paraplegic, he incurred over a million dollars in hospital treatment and care before he succumbed to that injury. Even before his accident, he had significant health issues that were expensive to manage just to stay alive. I had…