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Few consumer products are the object of a love/hate relationship as life insurance.  The thought of buying life insurance is not something that most physicians relish, yet, if it is done right, it can provide the greatest peace-of-mind a person can have. The key is to do it right.

Life happens, and, when it does, it sometimes has a tendency to get in the way of the things we are trying do for ourselves and our families.

The stockings have been hung, candles lit, lights strung, and carols sung when the financial stress begins to peek behind the corners of brown paper packages tied up with string. Everything’s shiny and cozy but you can’t extinguish that tiny feeling that you went way over budget this holiday. You’re not alone; holidays are a particularly financially stressful time for many.

If you’ve only just begun your career and are starting to collect a decent paycheck, the last thing on your mind is probably retirement planning. When you’re in your twenties and thirties, retirement can feel light years away, but it will get here much quicker than you can imagine. And when it does, you’ll want to be prepared.

And for those in their 40s and 50s, remember that it’s never too late to start saving for retirement. The most important thing is to just start.

Here are some tips for getting started:

Managing finances properly is mainly common sense. While we’ve all made financial mistakes, most of those mistakes are easily rectified, particularly when promptly corrected. However, there are some financial decisions that can be much harder to recover from. Here are just a few of them:

If you’re ready to start saving towards your financial goals, you may want to consider hiring a financial advisor to guide you through the maze. While robo-advisors are also available to help you with your savings goals, they are best suited for those just starting out or for those with limited funds to invest.

The American Institute of CPA’s (AICPA) recently published a list of personal finance trends that we should all be concerned about. These trends highlight the fact that almost 63 percent of Americans today are unable to pass a basic financial literacy test.

Here are the troubling trends, as well as some tips on how to avoid them:

Sometimes simple is best. Many of us tend to complicate our financial situation; overthinking our options while ignoring the basics.

But like anything else, the simplest rules are often the most important ones; and the ones most likely to be ignored. How many of these rules do you follow?

Do you remember the nights you’d spend begging your parents to let you stay up to watch a scary movie? You promised mom and dad you would sleep just fine afterward, but when the credits rolled, you just knew the monster would be waiting for you under the bed. As we go through life, we find ourselves losing sleep to different monsters. Instead of movie horrors, it’s that one final in college that you know you’re bound to fail, or the phone call you’ve been waiting on from a potential employer.

In 1999, Nielsen’s top-rated television program was ABC’s now-classic game show Who Wants to Be a Millionaire. Following closely behind at a strong second place was the beloved Thursday broadcast of ABC’s Who Wants to Be a Millionaire. And coming in at a very respectable third place was the highly-anticipated Sunday airing of ABC’s Who Wants to Be a Millionaire.