Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.

The rich are depressed because they realize their money can't buy them out of their issues.

There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if you can make a living doing it.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

You don't need to waste money on a fancy program or app to do a basic budget. I've been using a simple Excel spreadsheet since 2005 to track my monthly budget.

Kids can and are a blessing. But plenty of people without kids live and die just as happy.