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Agree with so many of the positive comments about this strong woman! After a quick review of her bills, I’d recommend she drop (like a hot potato) the life insurance and put that in your IRA/savings. You need to take care of YOU now and your kids need that LESS than you need the $1800/yr. Best of Luck to you!

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We tell my mom the same thing but she won't because of all the money she paid into it. We always tell her we don't want any money when she dies, just to have her with us as long as possible. But it's something she insists on budgeting for.

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An alternate idea is for her kids to pay the premium and take it off her budget. I wouldn’t hesitate for a second to suggest it or cancel….shes been a great mom and I’m sure they’d be happy to split that cost.

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