Trying to balance work, children and anything resembling a personal life can sometimes feel impossible. Days rush by while dreams disappear into the future. Your budget feels stretched to the limit. How is it possible to keep the household expenses paid, pay for life insurance to protect the family in case you or your spouse pass away, put money away for the kids’ college costs, and still save for retirement? If this is happening to you and your children are high school age or younger, options may be here.