Especially for self-employed individuals, freelancers, and start-up founders, comprehensive coverage in both private and business areas is of immense importance. With the transition to self-employment, one is not only responsible for the consequences of their professional actions but must also make decisions regarding health insurance, retirement planning, and disability insurance. Since self-employed individuals are not mandatory members of the statutory health insurance and state pension schemes, they can freely choose between public and private health insurance, and retirement planning is solely in their hands. As the income of most start-up founders is not stable during the initial phase of self-employment, it is not possible to establish a reliable insurance foundation right away. Focus on what matters most.