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You get a couple of weeks to make a decision you're stuck with for 12 months. So how do you know you're actually picking the right plan?

Rewind: This episode originally aired in fall 2025. Plan details and limits change every year, but the process still works.

After watching their own premiums jump 17%, Jessica and Brandon open up their family's open enrollment process. Brandon shares the first thing he checks before comparing any plan, why the most expensive option often isn't the smartest one, and what a surgeon's disability policy taught him about being underinsured. Plus, a real time discovery about their own coverage that caught Brandon completely off guard.

In this episode:
• Why last year's plan isn't a safe default
• The one number to know before you choose
• When a pricier plan is worth it
• Disability insurance and the 60% gap
• HSA, FSA, and dependent care FSA basics
• Perks most people never use

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Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations...