Without Social Security benefits, millions of Americans—from retirees and disabled adults to the families of retired, disabled or deceased workers—would lack economic security. The program paid monthly benefits to 57 million people in 2013, funded by the Social Security taxes paid by 158 million. Social Security benefits account for 38 percent of the annual income of U.S. elderly according to the Social Security Administration.

A windstorm causes major damage to your office roof. A fire destroys a portion of your warehouse. A flood reduces key pieces of your equipment to rubble. These and other disasters can strike your company at any time, preventing you from carrying on with business as usual. You now have a cash flow problem: you cannot sell goods or services until you’ve made necessary repairs and replacements, yet you still have to meet payroll and cover rent, taxes and other expenses. This is when you need business interruption insurance.

According to the Merriam-Webster Dictionary, the word “meaningful” means “Having a meaning or purpose, full of meaning, significant.” It’s a concept that’s decidedly absent in much of the retirement benefit education employers provide their workers. Sure, they may cover all the bases, from how much a worker can contribute and how those contributions can be made to the basic options for investment of their funds and tax benefits of each. These facts are important. But they’re not as meaningful as engaging employees in a real conversation about their personal future.

Americans love their pets. According to the American Pet Products Association, pet owners in the U.S. spent more than $58 billion on their cats, dogs, rabbits, horses and other critters in 2014. Of that expenditure, $15.25 billion was for veterinary care and $13.14 billion on related supplies and medications. We can all agree, that’s a lot of scratch! But while some pet moms and dads have to pay for routine wellness exams and unexpected vet visits and treatments out of their general household budget, others are thinking ahead. They bought pet insurance, and can rest assured their furry family member’s healthcare needs are covered.

IRS audit—two words that strike fear into the heart of every American. While the risk of audit in 2014 was the lowest it had been in years due to budget and staffing cuts at the Internal Revenue Service, it’s still wise to eliminate these red flags from the tax return you file this April.