Most of us invest to make money for better times. But what about needing money for when things go very wrong. Today's guest was a patent lawyer when her family was hit with a major health trauma. The experience triggered a career change into becoming a financial adviser. In today's show we cover:  Emergency money - Why you must have a plan Understanding the insurance inside your super  Should you bother with income protection insurance? The pro-bono financial advice network  Nicola Beswick of FMD Financial joins wealth editor James Kirby in this episode  See omnystudio.com/listener for privacy information.