I write for anybody struggling to manage their money.

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

I've decided to keep working until my last kid is thu college.

Once you finish paying for college you could reduce your life insurance.

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.

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.

[My grandmother] managed her money better than some financial professionals I know. I give credit always to her because she is the reason I have my column and national recognition.