Adulting as an Act of Love: Life & Disability Insurance for Your Family

When you’re already over capacity, the idea of planning for worst-case scenarios can feel… impossible. Many of us were never taught how to think about life insurance, disability insurance, or estate planning—especially as moms. So we avoid it, tell ourselves “my partner handles that,” and hope for the best. In this episode, I’m joined by Wallis Tsai of Above Board Financial, a former Goldman Sachs insider who now helps real families make grounded, no-BS insurance decisions that actually match their lives and values. Together, we talk about how to take “financial disaster” off the table—not from fear, but from love. We explore: Why financial empowerment starts with understanding your actual situation—not being “good at math.” The simple Level One planning every family should consider: life insurance and disability insurance. How to calculate the real value of a stay-at-home or lower-earning parent’s unpaid labor. The emotional resistance to scenario planning (especially if money was never talked about in your family) and how to gently move through it. Level Two planning: the harder conversations about values, wishes, and guardianship—and why they matter. How to reframe this kind of planning as self-care and an act of love for your kids and your future self. Wallis has created a special page just for our community so you don’t have to figure this out alone: 👉 https://www.aboveboardfinancial.com/mothersempowerment There, you’ll find: A simple starting point to get quotes for life and disability insurance Tools and calculators for DIY-inclined listeners Options for getting personalized support This isn’t about perfection or fear. It’s about giving your future self—and your kids—the gift of stability when life throws a curveball. 🎧 Listen now to “Adulting as an Act of Love: Life & Disability Insurance for Your Family.” And if this episode supports you, it would mean so much if you’d: Subscribe to The Mother’s Empowerment Podcast Leave a quick review Share this episode with a friend who handles “all the things” but avoids money stuff