At 35, Kelly is just starting to feel like she’s in control of her finances. Her family didn’t have a lot of money when she was growing up, so she had to pay for school herself through scholarships and student loans. She’s been working since she graduated, and after paying off her student debt, she’s been able to save $100,000 spread across an emergency fund ($15,000), 401(k) ($30,000) and brokerage account ($55,000). Must Read Her parents, however, continue to struggle financially. They have little ret ...