Something I've always wondered and don't see much talk about is in regards to taking into account the expenses for Attorneys, CPAs, and others that would be in your "power" team. Shouldn't this be included in the PITI expenses?

I don’t know how they work really. For example, in car insurance if you don’t have car insurance at the time of an accident, you can’t just call one up and pay the premium and expect them to cover your losses. You must have insurance PRIOR to an accident taking place for them to cover you right? Is this also how it works when it comes to getting sued? You must already have a subscription in place in order for the lawyer to want to protect you or is it you only pay them when you need them? Or how about when they say “consult your lawyer first.” Is this typically free? What I’m getting at is do you only pay them as you go or is it a recurring payment? And why aren’t these things factored into budgets much when most people talk numbers in investing?