Charitable Giving: Smart from the Heart
Do you have causes that you want to support with donations?
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Estate conservation is too important to put off. Do you have a smart exit strategy?
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....
The goal for most, when planning for retirement, is to ensure financial independence and never run out of money.