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They listen to our stories and complaints when no one else is around. They encourage us to get off the couch and be active when we're feeling lazy. They comfort us, provide a sense of security and never judge us.

Big data breaches among companies like Yahoo, Target and Equifax in recent years have presented a few alarming questions, the least of which is: If these large companies with reasonable IT and security budgets can't protect themselves, how can smaller businesses and individuals?

So, you're going to be a parent. Exciting? Yes. Scary? Certainly. While finances may seem to be a daunting part of your new, more fiscally responsible life, this is just the beginning of navigating all that having a child brings. No doubt, you want to be debt-free with a solid retirement plan in place and the ability to take care of college costs. Don't be afraid to ask for help from a professional to put a plan in place designed to reach your goals—the best way to overcome fear is to acknowledge concerns and make a plan to address them.

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