We have 5 children and they all had ear problems growing up. We have used a product called Ear Ease for over 20 years that is awesome. It is a special hot water bottle that you fill with hot water and hold around the ear.
Financial Advisors make money by managing the personal assets of other people. For financial planners and advisors, especially for companies or business, they devise a specific portion off the sale, or charge for their service fees and accept lower interest.
Financial planners encourage their one-income clients to keep putting something away for retirement, especially if they get a 401(k) match. Even if it's as little as $25 a month, save whatever you can right now and resolve to boost the amount when you return to work or whenever your spouse gets a raise.