Insurance, savings, budgeting, and the costs nobody prices out for you ahead of time — broken down the way you'd want a friend to explain it, not a salesman.
How much coverage you actually need, term vs. whole, and what changes the moment you become a dad.
Explore →Why the first month beats the first year, and how to open one without overthinking it.
Explore →New Money Moves topics added as the series grows.
| Dad's Age | Term Length | Coverage | Where It Fits |
|---|---|---|---|
| 25–30 | 30-year term | $500K–$750K | Lowest cost window |
| 31–35 | 20–30 year term | $500K–$1M | Most common |
| 36–40 | 20-year term | $500K+ | Still affordable |
Built for the first time you're doing this math — plug in your numbers and see where you actually stand.