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My husband recently said to me, "Why has life become so complicated?" It's true—gone are the days when all I had to worry about was rent, a car payment, and where to spend New Year's Eve. Now that I have children, the weight of responsibility has settled heavy on my shoulders. Preparing for our financial future and our children's wellbeing has been a top priority. No one said that "adulting" is always fun, but as parents, it's something we all have to do.


Here are five things to think about as you embrace this whole "adulting" thing as a parent. Think of this as a checklist, and work your way through it in whatever time frame works for you. Security is priceless.

1. Start an emergency fund

You never know when you're going to have an accident, flood, dental work, or even replace a kid's broken glasses. It's good to have a little emergency fund. But how much is enough?

Ellie Thompson, CEO of Money Therapy recommends saving more than two months' salary. "An emergency fund should be funded to cover your family's income for 3-6 months. Start slowly and be patient with your savings; a fully-funded emergency account may not accumulate for a few years."

2. Contribute to your 401(k) or an IRA

401(k)s are one of the best benefits of working for a company. If you don't have retirement savings, you'll have to work longer than you might like or be able to. Thompson says, "One of the biggest financial stressors of today is not adequately saving enough for retirement—which can put pressure on you and your children if they are not equipped to financially care for you."

The maximum contribution you can make for 2018 (for those under 50) is $5,500. If you have a 401k from a previous employer, but can no longer contribute to it, you can roll your 401k into an IRA and still continue to make contributions to the new iRA. If you can, try to max out the annual contribution. Any time you get a raise, consider putting the extra money into your IRA or 401K. The money that you put into a retirement account when you are young is far more valuable than any contributions as a senior—that money has time to grow. Your future retired self will thank you.

3. Get life insurance

Life insurance can feel confusing, overwhelming and morbid. It's difficult to envision your own death and can be hard to sift through the many different types of life insurance to figure out what's best.

Check out this list of the best life insurance companies in the U.S. for some recommendations (and more information about life insurance in general). There is whole life, term and even life insurance that requires no medical exam (great if you have a pre-existing condition, but more expensive).

Life insurance is important, especially to cover the breadwinners in your household, should anything happen to one of you. Jason P. Veirs, Owner & President of Insurance Experts Solutions, Inc., says that term life is the best solution for most, which is lucky because term life is especially inexpensive right now.

4. Name a permanent and temporary guardian for your child(ren)

The best and most legally-binding way to name a permanent guardian for your children is in your will (you can even write your own). You should do this, especially if you don't want your "next of kin" to raise your children. Nothing upsets a parent more than thinking someone undesired will raise their child(ren), right? Get a will, especially if your family situation is not ideal.

But who will take them while that is sorted out? The answer is your emergency temporary guardian. This could be the same person as your permanent guardian, but if your permanent guardian is in another state, you may need a temporary guardian.

Kimberly M. Hanlon, an estate and business attorney with Lucere Legal, says that we should all have a temporary guardian in place. If you forget to pick the kids up, or (heaven forbid) were to go missing after a date, the temporary guardian will get notified instead of the police. This is a safer option for children if the unthinkable should happen and they lose their parents. What better than a close, trusted family friend or extended family member to help grieve?

Here is Hanlon's step-by-step instruction for putting a temporary guardian in place:

  1. Think of one to three people who know your kids well, and your kids are comfortable with AND who live within 20 minutes of your home.
  2. Ask them if they would be willing to act as temporary guardians if something were to happen to you until the permanent guardians could be appointed.
  3. Fill out a temporary guardian nomination form and get it legally executed. (Sign it before a notary—all banks have a notary available, and most will notarize your document for free or for a very nominal charge. It's important that you not sign it until you are actually in the presence of the notary and he or she watches you sign the document.)
  4. Keep a copy of the temporary guardian nomination form for yourself (with your other important papers) and give one to each temporary guardian so they have it on hand if needed.
  5. Complete a letter to your child's school or daycare giving authorization for them to call your temporary guardian(s) if you don't appear to pick up your kids, instead of the police. Make sure the institution has the temporary guardian(s) names and phone numbers in their records since they wouldn't otherwise remember to reference the letter in an emergency.
  6. Complete written babysitter instructions that give the sitter the names and numbers of your temporary guardian(s) and tell him or her to call those people if it seems like something has happened to you.
  7. Complete a little card that goes behind your driver's license that tells first responders that you are a parent of small children and that you want them to call your temporary guardian(s) if you are unconscious. List the names and phone numbers of your temporary guardian(s).

5. Educational savings account (ESA) or a 529 Plan

Putting aside money for education is a smart idea, but there is more than one way to do it. Ms. Thompson had a lot to say about these different plans and the information was so helpful I wanted to include it all. Here is what she had to say:

"ESA and 529 plans are both plans to use for your child's education. However, there is one main difference. An ESA account can be used for K-12 expenses while a 529 plan can be used only for college. Both the ESA and the 529 Plans are savings plans for educational expenses. Both are funded with after-tax dollars, are allowed to grow tax-deferred, and can be withdrawn tax free for qualified educational expenses. Both are preferential to a savings account because of these reasons.

"The main difference between an ESA and a 529 plan are the contribution limits. An ESA, or education savings account, has a maximum contribution of $2,000 per year per beneficiary. Unlike an ESA, 529 plans are allowed unlimited contributions until the maximum amount which is around $400,000 depending on your state. However, you do not have to contribute to your state's plan - you can shop around for any state's plan.

"You can establish an ESA in multiple places. You can go to your bank, credit union, mutual fund company, or brokerage firm." Click here for more information about ESAs, and here for more information about 529 plans click here. To learn more about the differences, click here.

Here's the bottom line: Life is uncertain. It is impossible to plan for everything, but the more that you can do to provide security for you or your children, the better.

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With two babies in tow, getting out the door often becomes doubly challenging. From the extra things to carry to the extra space needed in your backseat, it can be easy to feel daunted at the prospect of a day out. But before you resign yourself to life indoors, try incorporating these five genius products from Nuna to get you and the littles out the door. (Because Vitamin D is important, mama!)

1. A brilliant double stroller

You've got more to carry—and this stroller gets it. The DEMI™ grow stroller from Nuna easily converts from a single ride to a double stroller thanks to a few easy-to-install accessories. And with 23 potential configurations, you're ready to hit the road no matter what life throws at you.

DEMI™ grow stroller
$799.95, Nuna

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2. A light car seat

Lugging a heavy car seat is the last thing a mama of two needs to have on her hands. Instead, pick up the PIPA™ lite, a safe, svelte design that weighs in at just 5.3 pounds (not counting the canopy or insert)—that's less than the average newborn! When you need to transition from car to stroller, this little beauty works seamlessly with Nuna's DEMI™ grow.

PIPA™ lite car seat
$349.95, Nuna

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3. A super safe car seat base

The thing new moms of multiples really need to get out the door? A little peace of mind. The PIPA™ base features a steel stability leg for maximum security that helps to minimize forward rotation during impact by up to 90% (compared to non-stability leg systems) and 5-second installation for busy mamas.

PIPA™ base
(included with purchase of PIPA™ series car seat or) Nuna, $159.95

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4. A diaper bag you want to carry

It's hard to find an accessory that's as stylish as it is functional. But the Nuna diaper bag pulls out all the stops with a sleek design that perfectly conceals a deceptively roomy interior (that safely stores everything from extra diapers to your laptop!). And with three ways to wear it, even Dad will want to take this one to the park.

Diaper bag
$179.95, Nuna

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5. A crib that travels

Getting a new baby on a nap schedule—while still getting out of the house—is hard. But with the SENA™ aire mini, you can have a crib ready no matter where your day takes you. It folds down and pops up easily for sleepovers at grandma's or unexpected naps at your friend's house, and the 360-degree ventilation ensures a comfortable sleep.

SENA aire mini
$199.95, Nuna

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With 5 essentials that are as flexible as you need to be, the only thing we're left asking is, where are you going to go, mama?

This article was sponsored by Nuna. Thank you for supporting the brands that support Motherly and mamas.


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Parents in New Jersey will soon get more money and more time for parental leave after welcoming a baby.

This week New Jersey Governor Phil Murphy signed off on legislation that extends New Jersey's paid family leave from six weeks to 12.

It also increases the benefit cap from 53% of the average weekly wage to 70%, meaning the maximum benefit for a parent on family leave will be $860 a week, up from $650.

It might not seem like a huge difference, but by raising the benefit from two-thirds of a parent's pay to 85%, lawmakers in New Jersey are hoping to encourage more parents to actually take leave, which is good for the parents, their baby and their family. "Especially for that new mom and dad, we know that more time spent bonding with a child can lead to a better long-term outcome for that child," Murphy said at a press conference this week.

The law will also make it easier for people to take time off when a family member is sick.

Because NJ's paid leave is funded through payroll deductions, workers could see an increase in those deductions, but Murphy is betting that workers and businesses will see the benefits in increasing paid leave benefits. "Morale goes up, productivity goes up, and more money goes into the system," Murphy said. "And increasingly, companies big and small realize that a happy workforce and a secure workforce is a key ingredient to their success."

The new benefits will go into effect in July 2020 (making next Halloween a good time to get pregnant in the Garden State).

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Whether you just need to stock up on diapers or you've had your eye on a specific piece of baby gear, you might want to swing by your local Walmart this Saturday, February 23rd.

Walmart's big "Baby Savings Day" is happening from 10:30 a.m. to 4:30 p.m. at participating Walmarts (but more deals can be found online at Walmart.com already and the website deals are happening for the rest of the month).

About 3,000 of the 3,570 Supercenter locations are participating in the sale (check here to see if your local Walmart is).

The deals vary, but in general you can expect up to 30% off on items like cribs, strollers, car seats, wipes, diapers and formula.

Some items, like this Graco Modes 3 Lite Travel System have been marked down by more than $100. Other hot items include this Lille Baby Complete Carrier (It's usually $119, going for $99 during the sale) and the Graco 4Ever 4-in-1 Convertible Car Seat (for as low as $199).

So if you're in need of baby gear, you should check out this sale. Travel gear isn't the only category that's been marked down, there are some steep discounts on breast pumps, too.

Many of the Walmart locations will also be offering samples and expert demos of certain products on Saturday so it's worth checking out!

Motherly is your daily #momlife manual; we are here to help you easily find the best, most beautiful products for your life that actually work. We share what we love—and we may receive a commission if you choose to buy. You've got this.

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Any Schumer has not had an easy pregnancy. She intended to keep working, but if you follow her on social media you know she's been very sick through each trimester.

And now in her final trimester she's had to cancel her tour due to hyperemesis gravidarum, also known as HG. It's a rare but very serious form of extreme morning sickness, and on Friday evening Schumer announced she is canceling the rest of her tour because of it.

“I vomit every time [I] ride in a car even for 5 minutes," Schumer explained in an Instagram post.

Due to the constant vomiting she's not cleared to fly and just can't continue to the tour.

This is not the first time Schumer has had to make an announcement about HG. Back in November, just weeks after announcing her pregnancy, she had to cancel shows and again broke the news via Instagram.

She posted a photo of herself in a hospital bed with her little dog Tati, and spelled out the details of her health issues in the caption. "I have hyperemesis and it blows," Schumer wrote.

Poor Amy. Hyperemesis gravidarum is really tough.

Kate Middleton, Ayesha Curry and Motherly co-founder Elizabeth Tenety are among those who, like Schumer, have suffered from this form of severe morning sickness that can be totally debilitating.

As she previously wrote for Motherly, Tenety remembers becoming desperately ill, being confined to her apartment (mostly her bed) and never being far from a trash can, "I lost 10% of my body weight. I became severely dehydrated. I couldn't work. I couldn't even get out of bed. I could barely talk on the phone to tell my doctor how sick I was—begging them to please give me something, anything—to help."

Thankfully, she found relief through a prescription for Zofran, an anti-nausea drug.


Schumer probably knows all about that drug. It looks she is getting the medical help she obviously needs, and she was totally right to cancel the tour in order to stay as healthy as possible.

We're glad to see Schumer is getting help, and totally understand why she would have to cancel her shows. Any mama who has been through HG will tell you, that wouldn't be a show you'd want front row seats for anyway.

Get well soon, Amy!

[A version of this post was published November 15, 2018. It has been updated.]

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As a military spouse, Cydney Cooper is used to doing things alone. But when she delivered her twin daughters early after complications due to Influenza A, she was missing her husband Skylar more than ever.

Recovering from the flu and an emergency C-section, and trying to parent the couple's two older boys and be with her new infant daughters in the NICU, Cydney was exhausted and scared and just wanted her husband who was deployed in Kuwait with the Army and wasn't expected home for weeks.

Alone in the NICU 12 days after giving birth, Cydney was texting an update on the twins to her husband when he walked through the door to shoulder some of the massive burden this mama was carrying.

"I was typing up their summary as best I could and trying to remember every detail to tell him when I looked up and saw him standing there. Shock, relief, and the feeling that everything was just alright hit me at once. I just finally let go," she explains in a statement to Motherly.

The moment was captured on video thanks to a family member who was in on Skylar's surprise and the reunion has now gone viral, having been viewed millions of times. It's an incredible moment for the couple who hadn't seen each other since Skylar had a three-day pass in seven months earlier.

Cydney had been caring for the couple's two boys and progressing in her pregnancy when, just over a week before the viral video was taken, she tested positive for Influenza A and went into preterm labor. "My husband was gone, my babies were early, I had the flu, and I was terrified," she tells Motherly.

"Over the next 48 hours they were able to stop my labor and I was discharged from the hospital. It only lasted two days and I went right back up and was in full on labor that was too far to stop."

Cydney needed an emergency C-section due to the babies' positioning, and her medical team could not allow anyone who had previously been around her into the operating room because anyone close to Cydney had been exposed to the flu.

"So I went in alone. The nurses and doctors were wonderful and held my hand through the entire thing but at the same time, I felt very very alone and scared. [Skylar] had been present for our first two and he was my rock and I didn't have him when I wanted him the most. But I did it! He was messaging me the second they wheeled me to recovery. Little did I know he was already working on being on his way."

When he found out his baby girls were coming early Skylar did everything he could to get home, and seeing him walk into the NICU is a moment Cydney will hold in her heart and her memory forever. "I had been having to hop back and forth from our sons to our daughters and felt guilty constantly because I couldn't be with all of them especially with their dad gone. It was one of the most amazing moments of my life and I won't be forgetting it."

It's so hard for a military spouse to do everything alone after a baby comes, and the military does recognize this. Just last month the Army doubled the amount of leave qualifying secondary caregivers (most often dads) can take after a birth or adoption, from 10 days to 21 so that moms like Cydney don't have to do it all alone.

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