|  People always talk about big personal and financial life events like going to school, getting a job, buying a house, getting married, having kids and retiring. But there’s a less-discussed event few of us plan for, and it can completely blow up your life and finances.In fact, caregiving is the biggest life event young people don’t see coming. Not only is it emotionally and physically draining to care for an ill, disabled or aging loved one, but it can also derail your career, your salary and your budget. Although you can’t predict the future, you can plan for possibilities and talk with your family or partner about how to handle finances and savings in case the burden of caring for a loved one falls to you. We’d call it a conversation you should have ASAP.And speaking of talking, experts shared with us 6 other money conversations couples should have at every stage of a relationship, from the third date to the golden years. Plus, below we’ve got tips about freelancing, the struggles of two people dealing with debt, a list of the best summer shopping days and even more practical magic. More and more people are freelancing these days, but handling finances as a freelancer gets complicated fast. There are no health benefits or automatic retirement accounts, your monthly income may vary considerably, and taxes can smack you hard if you aren’t careful all year long. Don’t let these factors control you. If your office is a coffee shop, read our tips now.  Did you know that 68 percent of Americans would rather discuss their weight than their finances? Unfortunately, no one is getting anything out of conversations that don’t happen, no matter how uncomfortable they are. So this week, we’re focusing on a different type of “deal”: how two women benefited by being open and honest about dealing with debt.Aja Dang is a popular YouTube vlogger who revealed in December that she’s nearly $200,000 deep in student loan debt. She now shares her monthly budget in videos, discussing her income and spending habits with viewers. “I don’t know what brought me to confront it, honestly, I have no idea. But when I did, I felt relief,” she told us. Elyse Curry shared her financial situation with others when she had to set radical spending rules to pay off her student loans in six months. She needed the accountability to overhaul her money habits – and the multiple roommates to help keep costs down – then detailed her plan in an eye-opening essay for HuffPost.If you’re in the same struggle, know you aren’t alone. And sharing your situation with wise friends or family members – hey, maybe even your social media followers – may help. So, you’re having kids. And you know they’re lovable and life-changing and forever. But what to do about the cost? Here’s a little checklist of 6 money moves every parent should make before the baby’s born.
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