Skip the Generic Formula and Build Your Own Number Ask an online calculator how much life insurance you need and it will probably suggest a million dollars. Ask a second one and you will likely get the same answer. That is the problem with generic formulas. They do not know whether you have three kids or none, a mortgage or a paid-off house, a working spouse or a single income. Rules like "buy ten times your salary" are only a starting point. A married couple with three child

What’s Really on Retirees’ Minds? Top Concerns as Retirement Approaches Retirement—it’s something many of us look forward to, but let’s...