My husband and I are late-in-life parents (he is 59 and I am 49) and we have a 1-year-old -- the absolute JOY of our lives. She is the only child for both of us and I am wondering about what you would suggest as the most cost-effective way to save for her future? Kathleen, Fergus Falls, MN
For richer or poorer, in sickness and in health... There's nothing in wedding vows that promises eternal honesty about how we spend our money. And couples lie about it all the time.
