Q. One of my New Year’s resolutions is getting together all of my finances. I’m married. I earn $90,000 a year and my husband earns $95,000 with a $10,000 bonus. We both have life insurance through work at two times our salary. How much more insurance do we need and what kind? Money is tight and we have credit cards we are paying off so we have to be careful with how much we are spending.

— Trying

A. The start of the new year is a great time to take stock of your finances.

By Antoni

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