Weve learned some tough financial truths over the past year, too.

Dont let these hard lessons go to waste.

Have you thought about how your family would manage without your income after youre gone?

A woman looks upset as she looks out her window.

How will they pay the bills?

Send the kids through school?

Probably not as good as youd like.

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It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Thats leading more people to seek out no-exam life insurance like the kind offered by a company calledBestow.

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Your tool can take minutes, and rates start at just $20 a month.

  • The peace of mind knowing your family is taken care of is priceless.

But some people cleaned up because they invested.

The second best time to start investing is right now.

Yeah, youve probably heard of Robinhood.

Plus, its super easy to use.

Credit Sesame shows you your credit score, examines your credit reports and keeps you updated on any changes.

It also shows you how to raise your score.

For example, if youre struggling to make your mortgage payments, reach out to your lender.

You wont know the answer unless you ask.

But heres the thing: your current car insurance company is probably overcharging you.

But dont waste your time hopping around to different insurance companies looking for a better deal.

Use awebsite called EverQuoteto see all your options at once.

Take a couple of minutes toanswer some questionsabout yourself and your driving record.

With this information, EverQuote will be able to give you the top recommendations for car insurance.

In just a few minutes, you could save up to $610 a year.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

Bestow Life Insurance products may not be available in all states.

Policy limitations or restrictions may apply.

Not available in New York.

Our software asks lifestyle and health questions to determine eligibility to avoid requiring a medical exam.

Rates will vary based on underwriting review.

It sounds appealing right?

Check it out here!