“Just don’t spend more than you make.” For many years, that was my mantra. I am, by nature, a saver. Or rather, I don’t take great pleasure in spending money. When it was just me, it was easy to save money. But as a wife and a mother of three? Money seems to disappear without much fanfare. I know this intimately because I’ve appointed myself the household chief financial officer (CFO). I analyze data (our income, expenses, and investments), develop our budget, and created a financial plan for both short and long-term financial goals. Ideally, this role would be shared