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.

My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, "Don't be pennywise and pound foolish."

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.

Not all Trump supporters are bigots. They believe he had something to offer. I may disagree. You may disagree but we need to be civil to each other. Use the facts to make your point. I had read that the clothes made by some of the brands use sweatshops. Facts folks not feelings. We all have to live with each other and our choices.

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.

You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.

Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.