My husband and I are pretty good at leaving money alone until we need it for what we've saved it for.

You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.

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.

I just don't like people taking debt into retirement.

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

Always keep an eye out for other opportunities.

I understand and respect people who say they want to boycott the Trump brand. I also respect your right to buy his products. But what you miss is that no one in public office, Hilary or Trump should use that platform to profit themselves. In Trump's case there are serious concerns about the conflict of interest in his brand and business ownership. Do we really want a president who had products he can push while working for the American people?