Most financial conversations about children revolve around college. But if there's only $100-$200 a month available, is age 18 really the most important problem to solve? A conversation about grandkids, Florida Prepaid, and long-term planning sent me down a rabbit hole I couldn't stop thinking about.

Most people were told $1 million was the retirement finish line. But that number doesn’t mean what it used to. The real issue isn’t just how much you save. It’s whether your money is structured to actually work when you need it.