If the primary breadwinner in your family were to pass away, how many years of lost income would your life insurance policy replace? According to a recent Life Insurance Gap survey by New York Life, most families want their policies to cover that lost income for 14 years. Unfortunately, the policies they have in place tend to cover a lot less—and the shortfall puts them at great financial risk.

As children, we spend time daydreaming about becoming princesses, pirates and lion tamers. As we become adults, our fantasies take a more realistic turn—we imagine getting married, finding the perfect job, maybe taking a yearly vacation. Some of us even daydream about inheriting a large sum of money—and that’s a dream that very possibly could come true.

According to the IRS, conversions were particularly common among IRA investors with annual incomes that exceeded $1 million. In fact, more than 10 percent of them converted an individual retirement account to a Roth. This shows a preference among the affluent to pay taxes on retirement savings now rather than later.

Of all the gifts you give your child, the ability to understand and handle money is probably the most valuable. The tools and lessons you give them to create a solid financial foundation will help them throughout their entire life.

Marriage is an exciting and busy time. You’re certainly busy budgeting the wedding, but don’t forget about discussing the future money matters too. People often overlook the fact that money issues/problems are the root cause of many unhappy and failing marriages. This isn’t an effort to be pessimistic or rain on the wedding parade, but rather an effort to start you off right by building a solid foundation that marriage and financial partnership can thrive upon. Start by considering the items in this simple ten point checklist.