 TITLE: 6 Steps to Financially Prepare Before Having Kids CONTENT: 4\\. Consider Disability and Life Insurance\n------------------------------------------\nOnce you have kids, your household's monthly expenses will increase. If you don't have disability insurance through your job and something happens to you, your family might struggle to pay the bills. This coverage protects you by giving you a portion of your income to help your family make ends meet while you're unable to work.\nAs you start a family, also consider investing in life insurance, so if you pass away, your spouse and children have some financial security. This is especially important to consider if your family is somewhat or fully dependent on your income. Keep in mind that life insurance is typically cheaper to purchase the younger you are. END