Right. You are 40, nearly 40 or (noooo!!) over 40. Suddenly you realize that yes, you might be a grown up.
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This just in: Money can buy happiness, at least according to Harvard Business School researcher Michael Norton.
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One of the real problems with teaching good money habits to our kids — or to adults, for the matter — is that they are decidedly oriented toward short-term rewards, while personal financial success often entails making short-term sacrifices for long-term gains.
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The reality, as if often the case, lies somewhere in the middle. The decision to buy a house is a very personal decision that depends on a variety of individual characteristics, not all of which are financial in nature.
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To start, your main goal should be to reduce all risks that could negatively affect your child. First and foremost, you need to protect your child from any disruptions to your income by purchasing life and disability insurance
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