Baby boomers have disposable income. The younger audience doesn't have that disposable income. Kids just can't afford it.

Get last year's return file, and look at all items under income and deductions. Based on the prior year, you may already have phone numbers you can call.

If your income is too high, this will be the only type of IRA contribution you are allowed.

If your eight times income is half a million dollars and you have two kids, you'd add another $200,000, so you'd have a $700,000 policy. That sounds like a lot, but when it's term insurance it is actually cheap.

This agency has arisen the last few years to meet the need of low income kids who need a place to go to participate in activities that a lot of kids have available and otherwise may take for granted.

It was such a great thing for the kids. They came from all backgrounds, all different income levels and by the end of the session it was like, arms around each other singing camp songs.