Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.
If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.
I am a big believer that orderliness begets wealth. A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. When you consciously open, read, and file away your bills and statements, you are connecting with your money and taking control of your life.
Focus on what you have.
Willy Bogner, Jr.
M. K. Hobson