Today Ross was asked questions via text from a new mom with a 9 month old son; she had a lot of questions about setting up her son’s future for success in spite of currently struggling financially. Ross made some suggestions about accounts they can open and reminded listeners how much even the smallest amount can grow over time. She also asked if she should have her own bank account separate from her boyfriend’s, how to fix bad credit and lastly whether they should have life insurance. Ross shared a helpful acronym – LIFE to explain why everyone should have life insurance. Listen to the episode to learn what it means.