Group 1 - The article discusses the importance of maintaining an appropriate amount of cash in checking accounts, emphasizing that the amount should be based on monthly expenses [2][3] - It highlights the necessity of budgeting to determine essential monthly costs, including mortgage or rent, car payments, utilities, groceries, and other miscellaneous expenses [3] - The rising costs of car ownership, particularly auto insurance, are noted, with a reported increase of 16.5% over the past year according to the U.S. Bureau of Labor Statistics [4] Group 2 - A survey by Autoinsurance.com indicates that 37% of respondents are seeking quotes from new insurers, while 27% have switched or plan to switch insurance companies [4] - The article mentions that home prices and housing costs have significantly increased, with median annual homeowners' insurance costs rising approximately 20% from 2021 to 2023 [5] - It suggests that both current homeowners and those saving to buy a home need to budget for home insurance costs, recommending platforms like OfficialHomeInsurance.com for comparing rates [6]