I have never really thought about it until I was asked about it the other day. Me and my hubby are In our 20's and we have 2 kids and I'm pregnant with our 3rd. I'm a SAHM and have no intention of going to work anytime soon. What should we do to prepare for when we are older? At the end of the month there isn't much money left to put back but i know it's important to save. He has a small life insurance policy, it's really only enough to bury him and I have none. He plans on getting more through his work for both of us but is there something we can do for more reassurance? What should we be doing to prepare? What should I look for in policies? I just dont want to have to worry and stress all the time when we are older so what are some good plans?