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