I think it's best to have a nest egg worth three months of your salary, this will be used when you lose your job. Next is getting insurance, growing up and maturing it is good for you.
If you are looking for profit never invest in any insurance schemes as it is not at all profitable as an investment, there are other good investments in the market apart from that, when it comes to savings made in this market, i have already converted my initial capital along with profits a long time ago and the rest of the money in the market is being rolled into different coins and projects and i am keeping those for the long term, yet i have a couple of thousand dollars worth of coins used in the short term when ever i am free to ride the market.