Atomic Habits & Insurance – The Baby Steps to Big Protections

For James Clear’s readers Atomic Habits is more than just a book; it is an example of how to change one’s life for the better. The author draws from psychology to explain how small consistent actions over an extended period yield remarkable outcomes. He emphasizes that achieving success is not about sweeping life changes but rather showing up every single day, building systems, and viewing every hurdle as a window of opportunity.

Inspiration taken from the book:

“Obstacles are not the enemy. They are the way forward.”

This lesson is not only limited to personal development but also touches the ways that people safeguard themselves, their families, and even their legacy, which is why insurance exists.

The Protection Habit of Insurance

Most people do not associate the word insurance with habit, and for good reason. Insurance is something that is viewed as a decision that is made once and paid for. That’s where insurance should be seen as a tool for protection. If viewed through the perspective of Atomic Habits, insurance takes on a new meaning.

Much like how daily revolving activities like saving money and brushing your teeth pay off, having the appropriate insurance is something that requires minimal effort and brings outsized results. No matter which type of insurance it is, be it life, health, home, or income insurance, it is always mundane — until the time you actually require it.

During crises, insurance servies as your safety net. It’s a reward given for the judicious decisions made earlier in life. From this perspective, purchasing insurance isn’t purely an investment; it is a psychological one as well. This shows that you are planning for the future, that you are fostering a stable environment for yourself, and building a promising foundation that guarantees peace of mind.

Safeguarding Financials With A Growth Mindset

Atomic Habits offers a different lesson. It encourages you to view change as an possibility and look at setbacks as part of the process rather than failure.

The same thing applies to life as a whole. Illnesses, accidents and even financial strains can all feel like obstacles. They serve the purpose reminding you to protect your assets. In such cases, insurance helps set guard rails for movement, allowing you to keep moving regardless of any external obstacles.

So maybe insurance is not something we should view in a negative sense. It’s a quiet, powerful, habit that demonstrate discipline, maturity and foresight.

As the book emphasizes,

“You do not rise to the level of your goals. You fall to the level of your systems.”

And insurance is one system that you should want.