It's why this election was HORRIBLE. It was either Hilary is the devil and Trump a saint. Or Trump the devil and Hilary a saint. Can't we all have a decent, civil conversation without throwing "shade?"

We all fall - even me.

Light has a way of keeping people honest.

Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.

You'll feel better when you get all that debt off your back.

I'm keenly aware of how important it is to set a good example. You may not think that your kids are paying attention to you, especially with something like money, but they probably are.

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.