Is this our new normal? Constantly on the hunt for milk, toilet paper and eggs? Constantly looking out the window wishing for personal interaction. Constantly scouring the web searching for any type of positive reassurance?

I can’t help but think that things have completely changed and in a few short months we’ll be looking back with at the pre-corona days with nostalgia.

I think I’m like most of you out here in internet land. I’m confused, worried and scared for myself, my neighbors and my country.

I work for an Emergency Department management group and I worry for my doctors…

How to Hike With Your Baby:

I love hiking with my baby. I love being outside, I love being with friends and I really, really love knowing my daughter is growing up with an appreciation for the outdoors.

Hiking with a baby isn’t always easy. It takes a lot of planning and foresight to get it right. Once you get it right, everything falls into place.

Over the last 7 months, since we took Ella on her first hike at 6 weeks, I’ve really started to dial in what works and what doesn’t.

9 Tips to make hiking with your baby fun!

If you follow these simple tips you and your baby will have a…

Photo Credit — Deposit Photos

Attitude of Gratitude Journal Prompts

I’ve always felt like I was a thankful person, but noticed recently that I was really getting caught up in my first world problems. I just wasn’t as thankful for all of my blessings and felt like a lot of my tendency were becoming more selfish.

The anecdote to selfishness is gratitude. So what is gratitude?

Gratitude is the simple ability to appreciate what you have right now. It is the ability to be grateful in the moment even when life is weighing you down and the last thing you want to do is be thankful.

If you are feeling…

There is nothing more exciting than the thought of owning your own home. I bet you can picture it now, snuggling in front of the fire, sipping hot cocoa, in your perfectly decorated living room listening to Christmas music while you watch “It’s a Wonderful Life.”

There is just something magical about owning your little piece of dirt.

What isn’t so magical is all the paperwork, stress and junk leading up to the purchase of your brand new home.

To make the process a little bit easier for you. I’ve compiled the ultimate checklist for buying a new home.

Ideally, you should start working through this list six months before you purchase your new home. …

Why am I poor? People ask me this question all the time.

Honestly, it is a tough question to answer because there are so many variables — very few people are poor because of one specific action. Often I’ve found that when people want to stop being poor they have to address multiple issues. To further complicate things, most of these issues are intertwined which means you have to be making multiple changes at the same time.

What this also means that if you want to stop asking why you are always poor there are multiple ways to begin addressing…

Photo Credit: DepositPhotos

My first marriage failed in part because of financial issues. We were young and dumb, spent too much money and didn’t know how to budget or communicate about money. It was a lose/lose situation that eventually led to lots of hurt feelings and divorce.

I swore I wouldn’t make the same mistakes in my second marriage.

I’m sure you’ve heard the statistics multiple times — financial problems are one of the leading causes of divorce. …

Photo Credit: Deposit Photos

I’m a statistic. Yes, I’m one of those people whose financial issues led to divorce. There were a lot of other issues in our marriage, sure, but money management was definitely on top of the list.

We were college students at the time. We both worked to cover rent and the basics for the first year or so of our marriage. Gradually student loans became too tempting, and we began using our financial aid money for more than just school costs. …

I’m overwhelmed, just like 99.9% of you reading this article. I bet you are constantly wishing you had more time, less responsibility, more money and more freedom.

As hard as I try to manage my time, money and responsibilities I always seem to fall into the trap of being too busy.

I’ve heard all the advice about learning to say no, and know that the advice is 100% right. You have to learn to say no to keep your life in check.

My problem is that I’m a nice person. I want to help people and do the right thing…

Jan 11th 2019 at 2:43 PM

I’m doing it! I’m making a drastic change to my retirement plan. I know it sounds crazy, but I’m going to take the early withdrawal penalty and the tax hit, all to move my retirement money from my IRA to an index life insurance policy (IUL).

I love setting aside money and playing in the stock market. In the past, I would spend hours pouring over stock reports and researching my investment options. To me it was fun — yes I really am that much of a dork.

Over the last couple of years…

Retirement planning can be overwhelming to most people. All of the different options for plans and investments can lead to what I call paralysis by analysis. Which essentially means you get paralyzed by all of the options and end up doing nothing because you are so overwhelmed.

Please tell me I’m not the only one who falls into this trap.

This post is designed to break down the difference between using a 401k plan and an indexed universal life policy for your retirement planning.

Before we can get into the difference between 401K plans and index universal life (IUL) let’s…

Amy Esplin White

Personal finance, parenting & self-help! Blogger at and

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