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Downsizing is a great way to declutter and simplify your life, which is why many retirees do just that. But if you’re downsizing because you have no other choice, due to bad money habits, that’s where things quickly become stressful or even problematic.

If you want to pass wealth on to your children, you don’t need to be rich now. Many assets that people already own could be used to help your children down the road. And if you don’t have these assets yet, many of them are within reach for ordinary people.

The modern era has brought heightened levels of convenience, comfort, and efficiency to virtually every aspect of life. Digital tools allow us to work, shop, and learn from anywhere, removing much of the stress and expense traditionally associated with those pursuits.

Credit card debt can be hard to deal with in this economy. Persistent inflation is causing prices to grow and today’s higher interest rate environment is causing credit card rates to rise, leading to elevated minimum payments on credit cards. That can lead to financial trouble, especially if you’re facing high credit card debt on a low income.