Homeowner’s insurance, hands down.
I used to bitch every time I made a payment and then one day my house burned to the ground. The insurance payout for the house itself was twice what I paid for the house, and then they paid more to cover the contents of the house.
Yeah, I don’t complain about paying that bill anymore :)
☝️underrated comment. I’ve been doing remote tech support & customer service for a few years and taught myself to smile whenever I’m typing out a message to a customer. Even though the customer can’t see it, it nudges my head in the right direction and makes the work more tolerable.