When you are grateful - when you can see what you have - you unlock blessings to flow in your life.

If there is anyone dependent on your income - parents, children, relatives - you need life insurance.

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document.