20 or 30-year term at 33?

[Anonymous]

neither one get disabilty insurance. you are 7 times more likely to become disabled then to die during your working years

[Anonymous]

Anonymous wrote:My youngest is seven months old and we are not ruling out having another child. I can get a good rate now: 31 dollars/month (20yt) or 54 (30yt) for the same coverage amount. The 30yt is still more expensive. So my question is if I can make do with 20yt.

Pay the extra $20 a month. I waited until I was 37 to get coverage, and I'm paying $700 a year.

[Anonymous]

how much do I need to save a month to save for college in 20 years?

[Anonymous]

Anonymous wrote:how much do I need to save a month to save for college in 20 years?

Probably 500/kid.