Your 2026 health insurance deserves a quick checkup.

This is the time to pause and ask:

• What is my health insurance actually going to look like in 2026?

• Are my doctors and hospitals still covered?

• Are my prescriptions still covered the way I expect?

Each year, insurers can change what they cover, what they charge, and which providers are in-network. A plan that worked well in 2025 may quietly become more expensive, more restrictive, or simply not a good fit for the year ahead.

Between talk about travel, new babies, or even recent Social Security changes for 2025, there’s room for one more conversation that really matters at the holiday table.

This isn’t about being morbid. It’s about love, clarity, and reducing chaos for the people you care about most. Whether you’re talking to your aging parents about their estate plan, or to your adult children about how you’d want to be cared for if you were incapacitated, these conversations are a gift.

Young men are being targeted with nonstop ads, “risk-free” promos, and apps that make betting feel like a normal part of watching the game. And for many of them, the line between a fun bet and a “money strategy” is getting blurry.

As a financial professional and a parent, I’m not anti-fun.

I am very pro-future.

There’s a huge difference between gambling and investing:

• Gambling is short-term, emotional, and designed so the house wins. 

• Investing is long-term, intentional, and designed to give your money a chance to grow.

For parents of young men ages 14–34, this isn’t a “someday” conversation.

It’s a right-now conversation.

Ever feel like your money should stretch further — but somehow it never does?

That was Susan & Mark. Two full-time jobs, supporting both their son and aging parent… yet every month felt tight.

When we looked closer, it wasn’t “bad spending” — it was invisible generosity.

Once they tracked their cash flow (not a budget, a flow), they finally saw where their money was really going — and made small, powerful shifts that brought relief and freedom.

Because when your money moves with intention, generosity becomes sustainable.