I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.
Michelle SingletaryKids can and are a blessing. But plenty of people without kids live and die just as happy.
Michelle SingletaryYou are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.
Michelle SingletaryThe rich are depressed because they realize their money can't buy them out of their issues.
Michelle SingletaryRemember 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.
Michelle Singletary