Skip to Content
Mother on couch with baby and young daughter indicating they need to plan for their family’s future with the new baby.
Babies and Families

Parents of growing kids: A look back and forward

Our friends Penn and Kim Holderness are back again. This time they share the stress every parent feels as their child begins to grow up. The "Back Nine" years mean cars, college exams and — oh, no — dating!

For many parents, the day your child is born can be the most joyous and fear-filled day of your lives. As booties and bottles are exchanged for bikes and braces, the worries you have about your children may change but they never go away. That's a universal truth all parents understand. That's what led our favorite parents, Kim and Penn Holderness, to write a song about their child growing up. The Back 9 is a musical look back (and forward) for their nine year old daughter — mid-way through her life as a child.

While we all know it is our job as parents to prepare our children to one day launch from our nest and build their own. Sometimes it can feel overwhelming when we realize how quickly that day may be coming. It's with that understanding in mind that we created a variety of resources for parents and growing families.

Resources for parents of growing children

Like most people, daily life moves at such a speed that the childhood years speed by all too quickly. One day your child is taking his first steps and then suddenly he is grasping his diploma. And while we may scratch our heads wondering where the time went, the all-too-vivid reality of what has been done (or not done) to prepare for your child's future and your own retirement settles in.

At Protective Life, we've been helping families secure their futures for more than a century. During that time, we've compiled a lot of information and resources. We present some of that information here in hopes that we can help you as well:

  • How much do kids cost?
    You can't measure the worth of a child. Their love, their energy and the joy they bring are worth every sacrifice. But the truth is that having a child is also expensive and requires planning.
  • Seven smart money things to do when you're having a baby
    A baby is more than new cribs and tiny clothes, there is a business side to building your family as well. From budget impacts to changing financial goals, it all arrives with your bundle of joy.
  • How much should I save for college?
    With rising college tuition costs, can you be sure you are saving enough for your child's education? There are some valuable strategies to consider when making a college savings plan.

If you enjoyed the Holderness Family take on parenthood, you might also enjoy their take on a romantic love song.

Are you a parent in the Front 9 or the Back 9? Tell us what milestones were your favorites or which ones make you the most nervous by using the hashtag #LoveAndProtect. And let us know if there are other resources you'd like to see us create.



Arrows linking indicating relationship

Related Articles

A family shopping for back to school supplies

Turning summer time into school time

Learn more
Pregnant woman sitting on yoga mat in living room looking at smartphone with dog on floor beside her

Short-term disability for pregnancy and maternity leave

Learn more
Mom playing with her baby daughter.

Moms and money

Learn more

All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions. For information about Protective Life and its products and services, visit

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.