Even people who have done extensive estate planning often overlook one important fact: digital assets like your social media accounts, online accounts and other digital information may be frozen upon your death making it nearly impossible for your family and other loved ones to access this information after you die.
You may be paying your child's tuition and expenses and covering him or her on your health insurance but in the eyes of the law, your 18-year-old is legally an adult and entitled to the same privacy protection for health care that you are.
The first thing you need to figure out is how much of your contribution your employer is wiling to match. This is usually expressed as a percentage, with employers often matching up to 6% of salary. That means for every dollar you contribute up to 6% of your salary, your employer contributes something to match that contribution.