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.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.

The rich are depressed because they realize their money can't buy them out of their issues.

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

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 need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to get married.