The chief beneficiary of life insurance policies for young, single people is the life insurance agent.
I have such happy memories of performing in a choir and I don't think I'd have got where I am today without all that experience. So my advice to young singers is to either join your school or church's choir or find one in your local area. Choral music at any level teaches you so much about musicianship and blending your voice.
That's what most people don't realize; that's why one out of every two marriages fail. Because people go into them with hearts in their eyes and forever on their lips and no concept whatsoever of what that truly means. Of course it's going to be hard work. Of course you are going to get angry and upset and wonder why, out of everyone in the world entire world, you decided to fall in love with an idiot who farts in his sleep and eats like a pig and can't ever be assed to pick up his own dirty underwear off the fucking floor.