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  1. NO! No life insurance! A 10 year old doesn’t need life insurance.
    Life insurance is for parents who are trying to protect their family in case something happens to them.

    The cost of life insurance will reduce potential returns/earnings.

    Try to invest in college funds or any other mutual funds. Consider real estate. Select something that doesn’t generate taxable income for the family.


  2. Stop spending and use any and ALL extra money to pay down the debt. It really is simple. The hard part is making the comment and the sacrifices necessary to do it.