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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.

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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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Perhaps because I've been an entrepreneur since the age of 25, or maybe because I'm now a mom and I work grueling hours, I've been asked this loaded question more times than I can count:

"How do you manage it all?"

The good news is, I have an emphatic answer. It's a rule I've been inadvertently testing for two decades throughout every phase of my life and career. I've watched it hold true for my friends who have big, high-pressure careers, as well as my friends who are incredible, wildly busy full-time mothers. And yes, even for men (not that anyone's asking them).

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The not-so-good: It isn't something people always want to hear.

Because, truthfully, I "manage it all" by ruthlessly editing my life into what I call three baskets. And stopping myself when I'm tempted to see what happens when I try carrying four.

Here's how the theory works: Everyone has a set of priorities, or baskets, that require our time and energy. The first catch? There are four major basket categories—Work, Relationship, Kids, and Self—but if we want to operate at the highest level, we cannot carry more than three of these baskets at once.

Your baskets may be different from mine, except for one: We all have a Self basket. This contains anything that fuels your mind, body and soul. It's the first and easiest one to put down when we have too many baskets, but it's actually non-negotiable. We have to care for ourselves—whether it's with sleep, exercise, meditation, worship, or dinner with friends—or we will eventually, inevitably burn out.

And that's the other catch. Because if you accept that you must put the oxygen mask on yourself, at regular intervals, you're really only left with two baskets. This means that if you have a basket for Self, Work, and Kids…then you may not be able to be the perfect partner, all of the time. If you have baskets for Relationship, Kids, and Self…you may not be able to go full-throttle in your career, right now.

Skeptical? Think about the periods in your life when you've felt the most frazzled or out of control. For me, it's always when I'm sneaking an extra basket—trying to go all in at work, and as a mom, and as a partner, and to somehow also look the part of a CEO in the fashion business and consistently get enough sleep to function.

The hard (and also freeing) truth is that we simply cannot do all of these things, all of the time. But we can pace ourselves and deliberately and strategically carry different baskets throughout different phases of life.

For example, you might decide that for the window while your kids are young, going big as a mom is your top priority, and another basket may have to wait. Or you might be like me, who for many, many years, was deep in the throes of building a business, and has relied on a small village of Amazon, Postmates nannies, and housekeepers so I could devote two whole baskets to Work. Or you may decide that just for the summer, you'll dial it back at the office to be fully present with your partner and on family vacations and know that come fall, you'll shift into high gear again.

Choosing just three baskets isn't easy. In fact, it's really hard. And It's blatantly counterintuitive to a culture that tells women, especially, that we should be the picture of perfection in every domain.

But there are a million ways to arrange your baskets, and a million ways to define success. For me, accepting the limitations of my time and energy forces me to get incredibly clear about what I value most.

Which, if you ask me, is a much better question to ask women we admire.

[This article was previously published on 'Mother.']

Work + Money

Here I go again, wearing my troubles on my brow. Troubles and worries this furrow cannot hide—at least not from you, my love.

You know me all too well.

You know the one thing I need when I'm sad isn't a girl's night out, but instead, a good hard cry in your arms and for you to tell me I'm enough. Not enough because of my motherhood, my job, or my cooking, but simply because I'm enough.

You know that even though you've told me I'm sexy a million times in one evening, I'll need to hear it again in a few days when I'm in my sweat pants, no makeup on, eating a tub of freezer burnt ice cream, feeling real grumpy from PMS.

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You know that when I get anxious and afraid, I don't need you to coddle me or become a codependent accomplice to my fears, but instead I need you to give me a gentle nudge back to reality.

You know me all too well.

You know how embarrassed I was about you witnessing me poop myself during labor, so you still deny that you saw it to this day.

You know that when I say, "I'm fine," it really means "No, I'm not fine, but I'm too stubborn to say so."

You know that me not wanting sexy time after the kids have gone to bed has nothing to do with motherhood fatigue, but rather how much I hated my body today.

You know that when you tell me to do something, I won't do it out of pure rebellion, but if we're honest, that's one of the reasons you love me so much.

You know that when I get all dolled up, ready to hit the town, the more makeup I put on, the more insecure I'm feeling about myself.

You know how guilty I felt after yelling at our 8-year-old for being an 8-year-old, so you made sure you told me what an amazing mother I was for the mere fact of feeling guilty and apologizing for it.

You know that when I'm feeling off, you need to fill in the gaps in household work, so I don't completely get overwhelmed with tasks.

You know that me dieting is never a good idea, so you tell me even more times than usual that I'm beautiful and perfect just the way I am.

You know that my laughter comes out most when it's ignited by you—you never stop trying to be funny, just so you can hear me laugh again.

You know that when you look at me that way, it still gives me butterflies, so you make sure you do it at least once a day.

You know that loving me is a choice, but it's never felt like a choice—more so like the reason you live.

You know that after a fight, it's harder for me to forget than for you, so you hold me extra tight for as long as it takes to get back to us.

You know that I wished I had more friends, but hesitate to make an effort because I'm afraid of rejection.

You know me enough to know that I never want you to stop knowing me more deeply, so you keep discovering and learning more about who I am, even after 10 years together.

You know me all too well, my love.

So much so, that I can no longer hide my sorrows, my laughter, my insecurities, my flaws or failures. You've seen it all; you know it all. And despite it all—despite knowing everything about me, you still love me.

Thank you for loving even the darkest parts of me.

Thank you for being loyal to even the worst of me.

Thank you for being exactly who you are. I love you.

Life

Dear past me,

This is future you writing. The one who has been through the full nine months of pregnancy. The one who gave birth and breastfed and stayed up all night with a baby full of gas and sore gums. This isn't you, yet.

But it will be.

It's hard for you to fathom that you will become me. You look at other mothers, mothers with squirming 1-year-olds or rampaging toddlers, but all that seems so far away. You can't marry it together, your bump with those giggling, giddy kids. It seems miraculous that one will become the other. It's too hard to believe.

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But it will happen.

Right now you hold the baby inside of you. You are the only one who feels every kick as he wiggles and wriggles around. How can you begin to imagine how it will feel to pass that baby, that baby that inhabits you, that lives because you live, to someone else?

Sometimes it will be hard, to watch your precious little one getting passed around. He'll seem so vulnerable out there without your stretched skin protecting him inside the cocoon of your stomach. But it will also be wonderful.

Just wait. Just wait until your mother meets him for the first time, the little quiver in her voice as she tells you he's beautiful. It will remind you of the first time you brought your husband home to meet her, your boyfriend as he was then, and you knew that she knew that this man was special.

I know you dream of it, your husband holding his child, the child you brought into the world, for the first time. You imagine how it will feel to see them together. Will there be pride? Or worry? Will you feel happy? Will you feel put out?

Let me tell you.

You will feel all of those things, like watching a film in 3D high resolution with surround sound. Every emotion is more intense than ever before, so intense it is overwhelming. You'll apologize to your husband for taking the baby back because he's screaming and he probably needs feeding. You'll feel like your intruding on their life-affirming moment, when you ask your husband to pass him to you so you can try, again, to get him to latch on. The midwife will tell you not to apologize, that it's your responsibility to feed him and that's the priority. She's so sure and confident, even in the way she handles your precious newborn. That doesn't live inside you yet.

But it will.

Time will race away from you and, before you know it, you'll be spoon-feeding puréed vegetables from little Tupperware pots. You'll be tired. More tired than you are now when the baby kicks every time you get comfortable enough to fall asleep.

But time flies by.

And someday soon you will be me, the mother of a 2-year-old. It's the same baby you carried in your stomach, that made your belly wobble when he hiccupped and that kicked you when you drank orange juice. It's the same one you gave birth to, the one you brought home from the hospital and placed in the crib next to your bed on that first night in the house.

Yet, he's different now. He's more whole somehow, a proper little person. He doesn't know all the names for the parts of a face so when you call him a cheeky monkey, he strokes his chin and giggles. He loves wearing hats—bobble hats, summer hats, it doesn't matter which—and he pulls them off better than you ever could.

He's so perfect and wonderful and some days you'll feel like you're not good enough for him. You'll be utterly convinced that any moment he'll figure you out. "Mommy," you imagine him saying, "you're not that funny after all. And the activities you do with us aren't very exciting, no matter how hard you try and make buying bananas fun. Can I get a different mommy?" Of course, he'll never actually say this.

Because he loves you.

It was obvious from the start, in the way he used to look for you when someone else was holding him, searching you out in the room, making sure you were close by. He loved you when he gave you his first smile, his first giggle, his first step. I know you're worried you'll miss it because you have to go back to work, but he'll save it for you, the stumbling toddle across the room from mommy to daddy and back again. It will be your reward for making it through the first year of parenting. By the time he's two he'll treat you by telling you he loves you, stroking your face and smiling because that's what you do to him. He knows it means love.

All of this will come. Take my word for it; I'm the future you and I've lived it. But right now, enjoy these precious pregnancy moments because, even though it feels like it will never end, you won't be pregnant forever. Breathe every second of it in.

But also know this: the best is yet to come.



Love,

The future you

Life

I don't think anyone told me I was "glowing" either time I was pregnant. I'm not sure that is the word I would have used to describe me in the early months, either—nauseated is more like it, or tired. Add to that some extra-dry skin and acne like I hadn't had since middle school, and let's just say I wasn't feeling my most beautiful. Apparently I wasn't alone.

"Hormonal changes, and, of course, all the ways your life is changing, can lead to some unpleasant skin changes during pregnancy," says Diana Spalding, Motherly's Digital Education Editor, midwife and writer of The Mother Guide to Becoming Mama. "It's so easy to get dehydrated during pregnancy, which can lead to issues like dryness and itchiness. And nights spent tossing and turning (because how is anyone supposed to sleep with all those sweet baby kicks?!) can lead to dark circles."

If you're suffering from any of the common pregnancy skin issues, but you don't want to pile chemicals on your skin, there are natural, healthy pregnancy-safe makeup and skin care products out there for you. Some even contain treatment ingredients that could help alleviate your skin symptoms, all while covering them up in the meantime. It's also worth noting that the FDA maintains an updated list and categorization of ingredients used in beauty and cosmetic products women should avoid if they are pregnant. A few include: retin-a, hydroquinone, formaldehyde, dihydroxyacetone, benzoyl peroxide and salicylic acids.

Just remember that sometimes itching skin can be a sign of a "serious complication known as cholestasis, so definitely check in with your midwife or OB before trying to treat the issue on your own," says Spalding.

The bottom line is, whatever your pregnancy skin care issues are, we've got you covered.

Here is what you need to fix eight common pregnancy skin problems:

For oily skin: RMS Beauty 'Un' Powder

Un Powder RMS BEAUTY

Sweaty? Oily? Yup, you can thank those pregnancy hormones for that! The RMS "un" powder can help! This ultra-fine, super-silky powder has only two ingredients (mica and silica—not to be confused with silicone) and will never give you a white cast. It's so sheer but so effective. We promise no one will know you're wearing powder.

$34

For dull skin: Plant Makeup Pink Rose Shimmer Balm

Plant Makeup\u2019s Pink Rose Shimmer Balm

Pregnancy can make a lady tired, and along with fatigue comes dull skin. Plant Makeup's Pink Rose Shimmer Balm to the rescue! Made by hand with French pink clay and pure natural mica, this very subtle balm moisturizes, highlights and adds a little sparkle. We love that it's not glittery, but rather reflects light for a hint of highlighting.

$3

For breakouts: Juice Beauty Photo Pigments Perfecting Concealer

Juice Beauty Phyto-pigments Perfecting Concealer

Oh, hello, pimples. We meet again. Juice Beauty's Photo Pigments Perfecting Concealer will mask your blemishes while healing them with organic coconut oil, known for its antibacterial, anti-fungal and antimicrobial properties.

Editor tip: For best results, warm formula with finger or brush before application.

$25

​ For dry + itchy skin: Suntegrity 5 in 1 Tinted Face Suncsreen

Suntegrity 5 in 1 Tinted Face Sunscreen

Winter months can take a toll on your skin, and with low temps come flakes, bumps and cracks. And if you're pregnant, dry skin can during this time can be even worse. So how about a multitasking product that moisturizes, soothes and protects while providing a light tint for that no-makeup look? If you suffer from parched and dry skin during pregnancy, Suntegrity 5-in-1 Natural Moisturizing face sunscreen is the product for you.

$45

For dark circles under eyes: W3ll People Bio Correcting Multi-Action Concealer

W3LL PEOPLE Bio Correct Multi-Action Concealer

Tossing and turning at night because you cannot get comfortable? You know what that means. Dark circles and puffy eyes are sure to appear. We love W3LL PEOPLE Bio Correct Multi-Action Concealer because it contains caffeine, so while the gorgeous mineral pigments cover those circles, the caffeine also depuffs your under-eye area.

$22.99

For capillaries + visible veins: Gressa Minimalist Corrective Serum Foundation

Gressa Skin Minimalist Corrective Serum Foundation

During pregnancy, your veins may make your body look like a country map. Nothing to worry about, your network of veins is actually here to carry your increasing blood supply and provide a support system to your growing baby. Unfortunately, you may also experience spider veins (also spider angiomas or spider nevi) on your face, which is also due to increased blood circulation. Gressa Skin Minimalist Corrective Serum Foundation is a serum-to-powder formula, almost like a multi-vitamin for your skin and provides seamless coverage.

$62

For dark brown spots: 14e Aloe Nourish Foundation

Aloe Nourish Foundation

Are you noticing, dark, blotchy brown spots on your cheeks and forehead? Blame it on an estrogen surge stimulating melanin production. Aloe Nourish Foundation by 14e Cosmetics provides medium, buildable coverage while leaving you feeling weightless with a satin semi-matte finish. It has only a few ingredients, and its base is aloe, which means it soothes as it covers.

$38

For tired eyes: Alima Pure Natural Definition Mascara

Alima Pure mascara

In my opinion, nothing wakes up a face like a good mascara. Alima Pure's Natural Definition Mascara makes one that's super-subtle, if you're not much of a makeup wearer and don't want to look like you suddenly went all-out.

$22

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