They have really great looking simulated granite available for Formica now and it is cheap.Granite can be stained if it is not sealed regularly.

Credit Karma hasn't done a great job of tracking my actual credit score, but it does have a neat credit score "simulator" that lets you see what different actions would take on your credit score (e.g. taking out a credit card or closing a cc.)

Take a mortgage and line of credit calculator and you can simulate how you can pay down your mortgage with the line of credit and then paying back your line of credit.

Just do backtest, if you invest in 2010 in a 750k Palo Alto  house with 5% down= $40K.The same house 10 years later is $3mil.Your return of equity is 750,000%If you buy with cash in Jackson Missisipi ok, your 40k is now 80k, but far cry from the three million :)You could simulate this investment everyday anywhere actually, including in stock market, but real estate is much safer because other than you can living on it, price hardly fall in most desirable location.

Try their Credit Score Simulator: https://www.creditkarma.com/tools/credit-score-simulatorThere is mucho information online and some great YouTube videos that discuss getting your credit score up.How about a Rent to Own scenario where you rent and live in a property now while you raise your credit score, whereupon you purchase - generally 3-5 years.

Run some Projects with MSB.ai for AI engineering simulations and Hago Energetics to advance previous CO2 conversion work.

If she is open to a conversation and is curious it has paved the way to more interesting discussions.I have also talked to hear about a Roth IRA once she is old enough and the benefits to the long term growth if she starts really early.I have had her do some investing/finance simulators for kids, that she enjoyed. 

I didn’t go as far as getting an actual quote, but it seemed to me the cost of the premiums makes this not really worthwhile unless you have some decent excess cash flow.It took me a few months of research and multiple simulations of different scenario (tax bracket, returns of outside investment) to decide to jump into life insurance.The cost of insurance makes you loose some money in the early years, but the cumulative grow of the policy compounding uninterrupted with the return of your lower initial outside investment will outgrow the outside investment alone after 6 to 9 years depending on the scenario I ran.