If you’re starting a family, these are the financial moves you should be making.

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If your employer offers a 401(k) match, say yes to free money!

That's a guaranteed 100% return on investment. You won't find that anywhere else. Contribute at least enough to get the full match.

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Automate your savings.

This is the only money-saving tip that's guaranteed to work. You can set up transactions that automatically move money from your checking account to your various savings accounts on the same day every single month. You'll be amazed how quickly your savings grow. (Click here to see how it's done.)

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Buy term life insurance.

Working parents need life insurance to replace their income. Stay-at-home parents need life insurance because the work they do (especially childcare) would cost money to replace. Buy enough term life insurance to cover you until your youngest child will be out of school. (Click here for more.)

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