How much coverage does your family actually need?
The popular rule of thumb, ten times your income, often misses by a long way. This worksheet takes four numbers and a pen, and gives you an honest figure you can check.
The three tax buckets, explained with one dinner-table story
Ray spent thirty years watching his 401(k) grow, and never once asked whose money it was. Taxable, tax-deferred, tax-free, and why the mix decides your retirement income.
Your paycheck is your biggest asset. Is it insured?
A 20-year-old worker has a 1-in-4 chance of a disability before retirement age. What group coverage at work does, and doesn’t, protect.