Jeff Miller
Elio Addict
.. . Any suggestions
What Smitty901 said,
Ride a motorcycle ,ski ,golf it does not madder what you do or don't do.
Many things are out of our control but we learn to manage risk and make plans for when bad things happen. Cowering in a corner and being afraid is never the right answer; you would simply miss out on life. Getting training, learning, practicing, and all number of things including using safety devices, choosing appropriate riding partners, avoiding dangerous routes, not having a beer when riding (or driving), etc. will help mitigate the risk.
Insurance is one approach to ensuring your family has some support if bad things happen but I wouldn't rely on it. Save and invest. Buy with cash if you can and only buy on credit if necessary.Not having or limiting debt is something that is entirely within your control. Not having debt when bad things happen would help significantly when dealing with the loss of income.