Let’s Talk FAM (Finances and Medicine...and more).

5 Ways to Invest for Kids Let's talk ways to invest for kids. As a parent, you are not obligated to invest for kids. BUT, this is an extraordinary gift if you can swing it. Of course, you should provide all of the basic needs for your child(ren), and the majority of us go above and beyond that! You need not be a millionaire or come into a windfall of money to do this. You may be wondering how do I start investing for my child? Let's take a look at some of the best ways to invest for kids.  1. Put your oxygen mask on first You can't truly help someone else unless you've addressed your own needs. Your future is just as if not more important than your children's. If you tend to yourself properly, it follows that your child(ren) will likely also be cared for. Your child(ren) can take out student loans to fund an education, but you cannot borrow money for your retirement. Educate yourself. Follow financial content creators, use your local library, sign up for classes and

5 Reasons to Consider Cutting Back on Caffeine Caffeine is considered the most popular, legal, psychoactive substance in the world.  Over 90% of Americans consume caffeine according to  foodinsight.org ,  Caffeine is most often consumed in coffee and tea , but can also be found in soda, energy drinks, supplements and chocolate (commissions earned). Caffeine is a stimulant that promotes alertness and improves concentration and mood. Sounds great, right? But when it comes to caffeine, you can have too much of a good thing. Let's look at 5 instances where you might consider cutting back on caffeine.  **This post contains affiliate links. I earn small commissions for clicks that result in product(s) purchased, at no extra cost to you. Thanks for your support! 1. Anxiety Caffeine is a stimulant. If you struggle with anxiety, the last thing you would want to do is exacerbate the symptoms. Such symptoms can include sweating, restlessness, racing thoughts, rapid heart beat and breathing. 

  Let's talk must have baby registry items. Perhaps you or someone you know is expecting. It's common to shower the expectant with gifts for their little one. Now that my daughter is a toddler and we are blessed to have all the things, I've grown to appreciate the items I've continued to use beyond the newborn stage.  It may not feel like it when you're in it, but the time truly goes so fast. Before you know it, you won't need as much when your baby is not so little anymore (unless perhaps you plan to have more children).  This list will suggest baby registry items to include on your baby registry (or give as a gift) that can grow with your child (commissions earned).  DaVinci Jenny Lind convertible crib .    Most cribs are convertible in the sense that you can lower the bottom as your child grows so they may remain in the crib as long as safely possible. I love this one, because you can purchase the  DaVinci Jenny Lind Toddler Bed Conversion Kit  separately for

  Let's talk bridal registry gifts. Wedding season is approaching. But before the walk down the aisle, there is often a bridal shower. At the time this post is being published, it has been about nine years since I created my bridal registry.  Let me take the guessing out of which gifts to include on your bridal registry or give as a gift. Let's look at the bridal registry gifts I'm still using years later! Gift givers, I now speak directly to you (in my best Lord Voldemort voice). Before you buy, here is some unoriginal advice. Money is the universal gift! Gift cards are great, particularly if they're for stores where the couple registered.  USE THE BRIDAL REGISTRY. A lot of time and effort is put into creating a registry, so anything from it is sure to be a hit. Gifts purchased from the bridal registry come with benefits such as an extended return policy. There is often a discount to purchase any remaining items from a bridal registry once the gift giving slows down.