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Expert guidance on financial planning, insurance, retirement, and building lasting security for your family.

Blog thumbnail: a black-and-white portrait in a ringed circle of a bearded father at his kitchen table with a pencil over a sheet of paper, a large outlined 10x figure on dark navy, beside the headline How Much Life Insurance Do You Need?

October 26, 202615 min read

How much life insurance do I need? It's not always 10x your pay

Is 10 times your salary the right amount of life insurance? Here's how to count what your family would really need, what to subtract (including Social Security survivors benefits), and two worked examples where the rule of thumb misses by hundreds of thousands.

Latest Articles

32 articles

Blog thumbnail: a cut-out photo of a glass jar of coins, blank envelopes topped with reading glasses and a weekly pill organizer in a pale circle on royal blue, beside the headline Social Security's 3.6% Raise

Retirement Planning

The 2027 Social Security COLA is 3.6%. Here's what you'll keep

Achala KaulOctober 24, 2026 • 8 min read

Blog thumbnail: a tilted print-style photo of two women sorting bank and retirement statements at a dining table, with a stat card reading 36 mo of COBRA coverage, beside the headline Finances After Divorce

Finances after divorce: the paperwork your decree doesn't handle

Achala KaulOctober 23, 2026 • 9 min read

Blog thumbnail: a tilted photo print of a man's hands marking a printed retirement statement with a pen beside a calculator, coffee and reading glasses, with a stat card reading $46,919 median 401(k), ages 35 to 44, beside the headline 401(k) Balance by Age

Retirement Planning

Average 401(k) balance by age, and why most savers are below it

Achala KaulOctober 22, 2026 • 7 min read

Blog thumbnail: a blue duotone photo of a mother at her kitchen table holding a school folder and envelopes, a child's drawing on the fridge behind her, with a white card beside the headline Financial Planning for Single Moms

Financial planning for single moms, built around one paycheck

Achala KaulOctober 22, 2026 • 8 min read

Blog thumbnail: a split magazine layout with a navy text panel and a photo of a grey-haired woman and her husband reading a printed policy together at their kitchen counter, beside the headline Convert Term Life to Whole Life?

Can you convert term life insurance to whole life? Check the date first

Achala KaulOctober 22, 2026 • 8 min read

Blog thumbnail: an app-style card with a photo of an older woman's hands writing in a notebook beside a paycheck stub and calculator, and three checked steps, beside the headline Catch-Up Contributions in 2026

Retirement Planning

401(k) catch-up contributions in 2026: $8,000, or $11,250 at 60 to 63

Achala KaulOctober 22, 2026 • 9 min read

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