Juan shouldn't pay for prepaid legal services. Dave says most people won't ever use as much on lawyers as they'd be paying.
ANSWER: You should not buy pre-paid legal. It’s an unnecessary type of insurance. It costs an average of $25 a month and they provide a lawyer if you ever need one. The cost doesn’t seem like much until you add it up. In ten years, that’s $3,000 and most people don’t spend $3,000 on lawyers in ten years. That’s how pre-paid legal makes money.
Just set up a good emergency fund and that will allow you be self-insured for any type of unexpected situation.