The Richest Man in Babylon
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
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It's never too early to start thinking about life insurance. Waiting until you're older or in poor health is never a good idea.
Maybe your middle schooler is already hip to saving. Many kids this age do chores and earn allowances, perhaps putting part of what they earn into a savings account for college....
What does your home really cost?