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Did you really say "stable government jobs?"

I ask because some of the major job cuts have come from formerly stable state government jobs. And even your Federal job might not be so secure if the supercommittee and deficit reduction folks have their way.

So, if I were you, I might just talk to a independent insurance agent and get some supplemental term life insurance --just in case.

I think before you dad moves, the two of you need to sit down and go over his budget very carefully. Take into account the fact that he may only be living on Social Security. Can he really live in an apartment, even a seniors only one and pay all his expenses just from his SS check?

If not, and he still wants and needs to move, you may have to put up with a little crazy and have him move in with your family. If he moves and you haven't figured out all the financial stuff, he's setting himself up for failure and you're still be crazy but with a lot more issues on your hand.

So again before he moves, look at all the options. Can he find a roommate where he lives. If he moves, if he can't live with you, can he live with say another senior trying to save money. Use the state's aging department to find some resources.

Really think thu this move.

You need a will not just to leave money to your children but so the courts know who will take care of them should both you and your husband pass away at the same time.

So, yes you need a will. And you may have more to leave them than you think.

The the important point is that you aren't in a good financial position espcially with another baby on the way. This is very serious.  If  you are having trouble now, how will you make do with the extra baby and all the expenses that go with that.

You need a plan, a budget some intervention ASAP.

You can safeguard your children's futures by becoming very proactive in finding a way to boost your savings, get a will and hopefully some life insurance. Find out a financial class in your community. Go to www.debtadvice.org and set up a meeting with a nonprofit credit counselor. In addition to helping people with setting up debt repayment plans, the agency can help you and your husband manage your money better. If your husband won't go to the meeting, you go. 

Please get help so your children are financially safe.

You are so right. It's so easy for people to watch the drama unfolding in other people's lives than deal with their own stuff. I mean the media is on this because frankly people are watching the show, reading the tweets, etc.

The fact is many people don't deal with their money issues. The sand is easier or so they think.

But as I write in my eletter, we can learn from what is going on with that clan. Kim admits she didn't think she should have gone on with the wedding but she did. And I don't think she's being honest when she says it wasn't about the money. Of course it was. Was all of it about the money. Maybe not. But had she cancelled the wedding there would have been no payday for the People photos and E special.

Other couples continue on with a wedding because the dress is bought, the down payment made for the reception, etc.

Dumb. Dumb. Dumb.

As I just said, short-term it's better to lose money on the wedding planning than to spend years in heartache, fussing and fighting. It's a bargain to cancel rather to go ahead and get married when you suspect there are too many issues that can't or won't get resolved.

Amen to that.

I don't think any of us can use "stable" and "job" together in this new economy. So that's why it's vital to have an emergency fund, life happens fund, etc.

You have to plan for the worst and hope for the best.

I have no evidence but I'm inclined to agree with you.

I knew a couple whose marriage didn't last long enough for them to pay off the debt they took on to have the big wedding. They were paying on the wedding debts after the divorce.

Today's eletter.

Actually I don't agree. I understand that many reality shows are scripted but the similar drama is playing out in people's homes. Trust me I've seen some off-camara stuff that would make some of the reality shows look like Sesame Street.

And as Dr. Phil says, you have to earn your way out of a marriage. You did the deed, take the time to work on the marriage. 

It frustrates me so when people, couples, husbands, even stay-at-home wives don't think the stay-at-home parent doesn't need life insurance. Oh what it would cost to replace the services a stay-at-home parent provides (housecleaning, cooking, driving kids around, etc.)

If you have kids, both spouses need life insurance.

I'm betting the same thing!

Definitely a bargain.

And you know what esle is a bargain.

Paying for premarital classes.

Indeed that was sad. My goodness.

It might just be me, but I think it's not very thoughtful for couples to expect people to pay so much to be part of a wedding, especially if they aren't sure people have it to spend.

But I always tell folks, find out how much it might cost to be in a wedding (everything) and if you can't afford it, decline. And if the couple (bride or groom) give you a hard time, they aren't worth the friendship.

Today's eletter, Keeping up with the Kardashian's Kash

I agree. Priceless.

As someone who is about to celebrate her 20-year anniversary I can't understand getting married to someone when you know there are major issues. Look, we didn't have any major issues and it was still hard.

I love, love my husband and he's a great guy, dad, friend but  my goodness the work it takes. So don't do it unless you've worked thu the issues you know are there.

I'm so sorry. So once your dad gets better take a bag of the bills and go through them with him. Pay what you have to pay now but sit down later and talk to him about setting up a better plan to handle this finances. You have to do an intervention really.

You  may find it hard to get insurance on your relative now. If you can, and you think they will have bills  you want to pay after he or she passes, you could do that.

However, don't incur expenses counting on insurance. First, it's not likely you can let those expenses run up until the person dies. Facilities like the ones you are researching require monthly payments and they can't build up. Keep looking for resources to help, including perhaps having the relative live with you or someone and hire someone to come in to provide services, which could be less than a full-time facility depending on his or her needs.

I think it's great to help your brother by paying for the first class to help him become employed. But I would hope there is a plan to pay for the other classes going forward. While I believe in prayer, it also takes money and a plan to be sure he can finish the program.

So sit down and talk to them about how they may be able to see this through. Otherwise you will pay for one class and that's all he does or takes.

Amen to that!