In our complex world, it is never clear what strategy you should use when you try to save money and plan for your retirement. There are so many things to consider. You want to make your monthly bills as low as you can, but things like insurance make that quite hard. I have read some insurance marketing articles in an effort to find the best way to achieve our financial goals.  We have to find a way to have money for our children to go to college, and we need to have money for retirement.  Maybe we will get lucky, and one or both of our kids will get some kind of full scholarship for college.