This article is from the How to Start an Investment Program tutorial, author unknown.
The first thing the most basic personal finance book will suggest is to have adequate insurance. This may be in the form of life insurance protection if you are the primary breadwinner in the family. The ADA has a great term life insurance program that is worth the cost of the dues you pay every year. Other groups such as the AGD also offer low cost term insurance. I strongly encourage you to look into a plan like this if you're not presently covered. Disability, malpractice, and office overhead coverage are also extremely important. This is not something you want to overlook.