In this Mailbag-only episode, Jean dives into questions about life insurance (and how much of it we really need) and Dependent Care FSAs. Jean also advises a listener who's considering setting up a will or living trust, and counsels another woman who is curious about the \u201c5 year lookback\u201d that we\u2019ve all heard about for Medicaid. Lastly, Jean advises a woman who's considering getting a will even though she's only 24.\xa0If you have a question you'd like Jean to answer, write us at mailbag@hermoney.com.\n\xa0\n\xa0\nLearn more about your ad choices. Visit megaphone.fm/adchoices