“Who would you want to be giving you advice? Somebody who doesn't have any money?”
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The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.
If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.
The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.
People first, then money, then things.
