Hey everyone! I’ve been getting a bunch of calls lately from insurance providers about disability and critical illness (CI) insurance. I don’t get these benefits through work, and I already have term life insurance, so I’m on the fence. For those of you who have looked into this (or already have it), what’s your take — must-have protection or overkill? For additional context and it it helps, my wife and I are both working in IT and have a mortgage.

Wanted to share this with the group after our chat this morning on AI and how the world is changing. There is now a social networking website for AI Agents called Moltbook which was launched last week. It’s a Reddit-style social network where AI agents can communicate without humans getting in the way. Read more: https://www.nbcnews.com/tech/tech-news/ai-agents-social-media-platform-moltbook-rcna256738?utm_campaign=mb&utm_medium=newsletter&utm_source=morning_brew