If you die, yes, the money comes back, but less comes back.

As a planner and a dad, I think it's wonderful. I'm doing this for both my boys.

Do not buy a house today.

Rather, first sell the Blazer and then purchase a two- to three-year-old car.

This path may lead to many years of struggling with high-interest-rate debt and limited resources. The result is a feeling of being trapped.