I only have one regret over my decade as a fitness professional.
Yep… it involves spending money. 
But it wasn’t on courses, equipment, studio hire, or even my endless coffee intake at the gym.
Nope. It was on something designed to protect me if the worst happened: income protection insurance.
I bought it, then cancelled it after a year… even though it only cost £1 a day. (Yes, £1. One tony terrible coffee.)
Why did I buy it in the first place?
Back in 1997, I tore my ACL playing basketball at the University of St Andrews and only qualified for surgery four years later. Four years! 
So when I became a PT and Group Ex instructor, I knew: if I got injured again, I couldn’t work. No work = no income = no Nandos.
Income protection insurance seemed smart… until I realised it only paid £200 a week. And only if I was off work for 3 months.
Try living on £200/week in London. I’ll wait. 
So what would I do differently today?
Easy. I’d turn my expertise into digital products: on-demand workouts, mini online courses, training programs, educational assets.
These are the real forms of income protection.
You invest your time and knowledge once, find your audience… and boom: they pay out, no monthly insurance premium required. 
Moral of the story? There are better ways to insure your income than betting on a £1/day policy.
