Welcoming a child into the world can be one of life’s unique joys, but it certainly brings with it a good deal of anxiety (and sleep deprivation, which can also further fuel that anxiety). Aside from the usual parenting concerns, financial considerations are also palpable—depending on the estimate, the total…

For most of the last decade, decisions about how to manage our cash have been fairly simple and low-stakes—with interest rates stuck at rock-bottom levels in the aftermath of the financial crisis, savers became accustomed to their bank accounts paying little or nothing. Low rates also allowed for affordable home…