A policy on a young child or grandchild can lock in lifelong insurability and quietly build a pool the next generation can borrow against. Here is how the family bank works, and the honest catch. The finale of More Than a Death Benefit.
A Father's Day reflection on the most valuable thing my dad ever gave me, which was never going to show up on any account statement.
Most wealth passes at death, when heirs are in their sixties and need it least. There is a strong case, and some surprisingly generous tax rules, for giving while you are here to see what it does. Part six of Both Ends of the Table.
Most people argue about whether they need life insurance. That is the wrong question. The right one is what job you need it to do right now, because the answer changes three times over your life, and the policy that was perfect at 35 is often the wrong tool at 65.
The point of a retirement plan was never the spreadsheet. It was the freedom to get on the plane without a knot in your stomach. Here is how preparing, protecting, and preserving what you built is exactly what gives you permission to go.
Call it morbid, call it market research. In nearly every memoir and late-in-life interview, people say a version of the same thing: I wish I hadn't waited. Here is why we don't just build income plans.