A recent study from Aflac finds the average American family needs an additional $70,000 in income to feel financially secure, in the wake of inflation and cost-of-living increases. Most families want the same things: a sense of security, fewer financial surprises, and the quiet reassurance that daily life is stable and moving in the right direction. They want confidence that bills are handled and the future feels manageable.

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The future is a weird place. Those of us of a certain age seem to have trouble understanding or latching onto the predictions of what we are t…