Invest for retierment.

Tonight we met with our financial planner for our yearly review.

1. Remember your future will come fast prepare for it.
2. Life insurance is a must when you have small children, spend some time to learn what to do to keep up your household in the event of a loss.
3. Use a investment tax free option for college savings. Once you can set up a savings account for them set it up to be tax deferred and high yield so as to let the money work for you. Even if the kids get a full ride the funds can be used tax free for anyone education. (even moms if she wants to go back to school someday). Put even a little into it every other month.
4. Look forward to the future and watch your yield return many fold over on every level. Don't just bury heads in the sand.

46 is only a blink from retirement. I had a good return on some stock and I reinvested it again (its IRA so I had too) so as to build it up. When we are old we will have to buy health Ins. as a full time mom I haven't the credit hours to qualify for medicare.

Think about tomorrow today and fear not. :)