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A country’s credit downgrade happens when a credit rating agency, like Moody’s, Fitch, or Standard & Poor’s (the big three), decides that a country is less likely to pay back its debts, lowering its credit rating. Countries like the United States sometimes need to borrow money to fund projects like infrastructure, social services, or managing the national debt.

Have you ever wondered how some families maintain their intergenerational wealth? What’s their secret sauce? The answer may lie in using life insurance to establish a legacy that lasts over multiple generations.

For some people, managing their finances may feel like walking on a tightrope, juggling endless expenses. But with accountability, you can turn managing money into a positive endeavor.