A life insurance policy for a set amount (say, $1,000,000) for a fixed amount of time (say, twenty years). If you die within those twenty years, your beneficiary gets the money. Tax-free. Jackpot. If you live longer than that, the policy expires and no one gets anything (but the joy of you being alive). (See also: Life Insurance, Permanent Life Insurance)
I'll teach you my 3 simple, life-changing habits to get control of your money!