New parents are tired and short on time, and they want help that fits in a quick read. These posts each take one money step that comes with a growing family.
A new baby brings a lot of firsts, and a few of them are money tasks. Three to start with. Add your baby to your health plan. Many employer plans give you only 30 days. Name guardians in a will. Open a 529 college account when you're ready, even with a small amount. Which one is still on your list?
Worried about putting money in a 529 your child might not use? A newer rule lets some leftover 529 money move into the beneficiary's Roth IRA, up to $35,000 over their lifetime. The 529 has to have been open at least 15 years, and yearly Roth limits apply. Check the rules before you count on it.
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It's not a fun question, but it's an important one. If you weren't here, how would your family cover the mortgage, childcare and everyday bills? Term life insurance exists for this question. Worth checking what you have through work and what you might need on top of it.
A lot of the planning we do for our kids is about money. This one isn't. If something happened to both parents, a will is how you name who would raise your children. Without one, a court decides. If you don't have a will yet, an estate planning attorney can help you get one done.
Childcare can take a big bite out of a family's budget. A few places to look for help. See if your job offers a dependent care FSA. Check whether you qualify for the child and dependent care credit. Compare both partners' benefits. Ask HR what changed this year. A tax professional can help you see which ones fit.
Type your website. In about a minute Watt writes 3 posts for your firm, with your colors, fonts and logo. Free, no sign-up.
Nothing posts without your approval.Simple, kind help with the money tasks that come with kids, like health coverage, life insurance, a will and saving for school.
Use them as a starting point. Change the wording to sound like you, check the figures for the year you post, and run them through your firm's compliance review before they go out.
Keep posts educational, avoid recommending specific insurance or accounts, and send legal questions to an attorney.
The graphics on this page were made by Watt for Harbor & Pine Financial, a sample firm. Figures are for 2026 and come from the sources named in each post. Check them for the year you post.