I'll tell you how to cut out unnecessary sheet in ones life:
1. no car insurance, drive a beat up piece of sheet
2. no health insurance, its over-rated
3. no house insurance, just don't own a house
4. no contents insurance, minimalise the things in your life
5. no life insurance, don't breed an you don't have to hand anything on to the next generation
6. stuff disability insurance, get smart and learn how to handle sheet, don't put yourself in a situation that you could lose a limb
7. don't have kids, you wont have to leave anything behind, you can spend the lot
8. die poor
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