Everyone would love to say they have a cushy emergency fund or savings account they can dip into in case of an emergency. However, what people hope to do and the actual reality of the situation are sometimes on opposite ends of the spectrum.

Quite a few years ago, Mr. LH and I decided to purchase a term life insurance policy just in case of a sudden accident.…

One topic that I feel is approached as a cut and dry personal finance mantra is save up to 6-12 months of living expenses…