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Raising a child takes patience, understanding — and about $245,340, based on the latest estimates from the U.S. Department of Agriculture.
That's the average cost to care for a child from birth to age 18 for a middle-income family, as calculated by the USDA in a recent report on family expenditures. The estimate excludes prenatal health care and college costs.
If you want to retire early, your investment strategy may need to be a little different from a person who plans to keep working well into his or her 60s and beyond. That's because with many retirement savings plans, including 401(k)s and IRAs, you could be charged a tax penalty if you withdraw money before age 59½.
Life happens. The washing machine dies in the middle of a load, or you discover that your last visit to urgent care wasn't covered by insurance. It's not always possible to pay for these surprise expenses on the spot. This is when payday loans may become tempting.
Here's what you need to know about payday loans and why they shouldn't be part of your financial strategy.