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United States Department of Agriculture.

Dependents.https://apps.irs.gov/app/vita/content/globalmedia/4491_dependency_exemptions.pdfOpens a new window[Accessed January 2025]

Internal Revenue Service.

Adoption credit and adoption assistance programs.https://www.irs.gov/taxtopics/tc607Opens a new window[Accessed January 2025]

Social Security Administration.

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Social security numbers for children.https://www.ssa.gov/pubs/EN-05-10023.pdfOpens a new window[Accessed January 2025]

Health Care Insider.

Health insurance for newborn babies.https://healthcareinsider.com/health-insurance-babies-204928Opens a new window[Accessed January 2025]

Healthcare.govOpens a new window.

How to buy life insurance.https://www.usnews.com/insurance/life-insurance/how-to-buy-life-insuranceOpens a new window[Accessed January 2025]

Insurance Information Institute.

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Buying disability insurance.https://www.iii.org/article/buying-disability-insuranceOpens a new window[Accessed January 2025]

WBUR.orgOpens a new window.

50/30/20 Strategy.https://sfs.mit.edu/manage-your-money/budgeting/50-20-30-strategy/Opens a new window[Accessed January 2025]

Consumer Financial Protection Bureau.

An essential guide to building an emergency fund.https://www.consumerfinance.gov/an-essential-guide-to-building-an-emergency-fund/Opens a new window[Accessed January 2025]

AARP.

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College savings statistics.https://educationdata.org/college-savings-statisticsOpens a new window[Accessed January 2025]

U.S Securities and Exchange Commission.

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Haley Longman