One very important issue commonly overlooked by couples until it's too late, is that of outstanding debt and what becomes of it.
Even if you do it for a responsible reason, borrowing from your 401k can still damage you financially for the rest of your life.
Family lessons were the inspiration for my new book, "Smart Money Smart Kids," that I co-authored with my dad, Dave Ramsey.
"Discretion will protect you, and understanding will guard you” (Prov. 2:11). What about protection from identity theft?