If you’ve ever thought, “I’ll figure out money later… once the kids are older” — this episode is your wake-up call (in the most loving We Got You, Mama way 😉).

In today’s episode, I’m talking with my friend Angela Iacobellis, a life insurance and retirement specialist who helps families and business owners make their money work smarter, not harder.

Angela breaks down what most of us were never taught about:

College savings

Retirement income

Life insurance as a living tool (not just a “when you die” thing)

Why so many moms are underinsured and under-prepared

And how to start fixing all of that now — even if you feel late to the game

We cover:

💰 College savings that don’t wreck financial aid

Why traditional 529 plans can hurt your FAFSA, and how using cash-value life insurance can help you:

Grow money tax-free

Keep it off the financial aid radar

Use it for more than college (study abroad, business start-up, home down payment, etc.)

🛡️ Life insurance as a “Swiss Army knife”

Angela explains how modern life insurance can:

Protect your family if the worst happens

Grow tax-free savings you can access in retirement

Provide “living benefits” if you have a serious illness (like cancer, heart attack, stroke)

Act as your own bank so you can fund big goals without begging a lender

👩‍👧 Why moms MUST be in the money conversation

We talk about:

The very real pattern of women who find out too late that they weren’t protected

The massive wealth transfer coming to women as widows and daughters

Why it’s not enough to say “my spouse handles all that”

Simple first steps to get informed and involved (without needing a finance degree)

💸 Common money mistakes moms make

Including:

Being underinsured (especially stay-at-home or lower-earning moms)

Thinking work life insurance is “enough”

Assuming “we’ll deal with retirement later”

Planning as if nothing bad will ever happen (we hope it doesn’t—but planning like it might)

This is not about fear. It’s about options, peace of mind, and generational impact.

You work way too hard for your family for your money not to be working just as hard for you.

🎁 Angela’s Offer for We Got You Mama Listeners

“If you’re listening and thinking, ‘I should really get my money organized,’ this is your sign — reach out, and we’ll make it simple.”

If you follow Angela and mention this podcast, she’ll send you her free book:

📘 “Smart Strategies for College Savings”

🔗 Connect with Angela

Website: www.angelaiacobellis.com

Instagram: @Angela_iacobellis_la

LinkedIn: https://www.linkedin.com/in/angelaiacobellisla/

Facebook: https://www.facebook.com/AngelaIacobellisLA

🎙️ About We Got You, Mama

We Got You, Mama is a podcast and show dedicated to helping mamas go from surviving to thriving with expert-backed support on motherhood, mental health, money, relationships, and everything in between. Hosted by author and founder Carly Church, it’s your reminder that you are not supposed to do this alone.

👉 Don’t forget to like, subscribe, and share this episode with a mama who:

Has no idea where to start with money

Is worried about college costs

Or just needs someone to demystify “adult finance” in normal human language

We got you, mama. 🤍