Ah, life. It continues whether we are prepared or not. But preparation is key to navigating life events that affect our finances. 

Marriage

Two become one, and that means shared responsibilities and incomes. Let's face it -- life insurance may not be top-of-mind for couples embarking on a lifetime together, but perhaps it should be. If one of you was unable to work, could you afford your mortgage or your day-to-day bills? 

If you start your financial planning early in your marriage, you'll have a better chance for financial success, and you'll increase your future options. 

The end of the year -- as if you don't have enough to do with holiday preparations -- is a great time to review your finances. There may be changes to make during insurance open enrollment or before the start of the new year.

Nearly 15 million students are enrolled in fall semester classes throughout the United States this year. Approximately 72 percent of those students have received at least some form of financial aid according to the Washington Post. Those who do not receive financial aid will need to file a Free Application For Federal Student Aid, or FAFSA, form to receive funding. That form is a lifeline to many students not able to pay for their higher education otherwise. This begs the question: What are people whose incomes have been damaged by COVID-19 supposed to do now?