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.

Annuities have a bad reputation — but the problem isn’t the tool itself. It’s how annuities were sold, misunderstood, and misused. This article breaks down the myths and explains where annuities actually fit in modern retirement planning.