Having kids doesn't mean they would have taken care o you.

You shouldn't invest the money if you are looking to use it within five years. Too much risk.

I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.

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.

Light has a way of keeping people honest.

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.

Having kids doesn't mean they would have taken care o you.