Everybody should have a power of attorney—that is, a legal document that gives a designated individual the right to act on their behalf when making financial decisions. The power of attorney is most often used by adult children to make decisions on behalf of aging parents when they are no longer capable of making sound decisions on their own.

Why are some people wealthier or more successful than others? The default explanation has always been that the wealthier among us are more diligent and/or smarter or more talented than the less wealthy so that the cream eventually rises to the top.

Growing up, it’s not uncommon to get “the talk” from your parents. Of course that talk is usually about the birds and the bees, not your emergency savings or 401(k). So, let’s have that chat now, shall we?

Technology for health is finally moving beyond the Fitbit and counting your steps, to more complicated and useful feedback like improving your posture and correcting your running stride.

How many of us can look back at our childhood and say we wish we learned more about money? Maybe you were even one of those people who graduated college and still had no clue how to manage your money and pay off your debts? Most people gain their money skills and knowledge from their parents and caregivers as they grow and develop. Your children will learn their financial habits from watching you spend, save, borrow, and earn. Although you are the top influencer in their financial life, you don’t have to be a money expert to help them achieve positive and strong financial habits.