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I had one-year-old twins and life was hard, and you were knackered, and your saving grace was your gallows humour.
Choose a Roth IRA if you can; you don't get to deduct your contributions from your taxes, but you'll enjoy tax-free withdrawals at 65. Plan to start by saving about $200 a month to reach your millionaire goal; increasing this monthly amount by $10 annually as you get a raise or promotion will only speed up your saving.
But it can be your saving grace when you are focused on being financially free.
Kids like colorful feet and your saving money, time and gaining focused play with your child.
It also alerts when you have hit your saving goals or when you need to pay your bills.
It is beyond important to review all of the laws and regulations regarding your business and employees and to comply with those rules because that can be your saving grace upon an employment lawsuit.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com