There’s nothing “personal” about your finances unless you’re single and completely independent. If you’re married, living with a partner or have children, your financial moves affect everyone in your family and vice versa. Silence kills when it comes to money and family. Talk to your spouse or partner about money issues. And whether it’s bill-paying, check balancing, budgeting, or long-term planning, be sure that each person understands their own role, Involve your kids early and show them that money is about choices.

Always cover your assets so that accidents, break-ins or natural hazards don’t force you into bankruptcy. The most important insurance products for most people are health, property, life and auto. When buying insurance, be sure you understand your personal and family needs so you don’t buy too much or too little. Examine the deductibles and premiums, and find out if you can combine multiple lines under one insurance company for cost breaks.