Why being a grownup sucks...Part n....
So FINALLY I got quotes for life insurance. Going with the investment-type so that we can borrow against it as opposed to just plain term (which maybe i'll get down the road to supplement,that's cheap)...
For me to be insured for $400K: it's $244 a month.
For Kraig to be insured for $400K: it's $345 a month.
$589 extra a month. And i'll pull that out of my ass I guess.
(Okay well since it's an investment-type i'm okay reducing the amount I put in my 401K...but still!!)
What's scary is that...what if that's nto enough? I mean, yeah for NOW it would be great, but with kids, cost of living, college, crap like that...i might look back and totally think it's not enough.
Being a grownup blows goats.
In fact, it blows ALL livestock.
I remember being a kid and wanting to be grownup SOOOO badly. Really no matter what age you are, you aspire to be...around 23. You're out of school...but you can still party, waste your money, and not worry about things like retirement, homebuying, credit scores.
Once this is done, and the legal stuff is squared away (ugh gotta call the lawyer to sit down and officially sign everything...but when i do, I'll be billed the other $750, and I'm not ready for THAT charge yet)...I'll be DONE.
DONE with insurance, legal, random CRAP. Take that Smart Couples Finish Rich.
Until of course, we have kids...which will then require me to do a whole boatload of reading and learning...It's like buying a new device. You gotta figure out how exactly it works. Childcare isn't my worry...it's pregnancy that terrifies me. Whyyyy is it 9 (well, really 10) months long?! That's long ass time to have to be an incubator. That's a long time to eat healthy, avoid caffeine, not drink, not stand in front of the microwave (okay well that last one is old skool).
Speaking of devices...it used to take like 6 hours to burn a CD. Now it can get done in a minute. It used to take forever to heat up a frozen dinner...now it takes minutes. Why hasn't anyone figured out how to streamline the pregnancy process?
My fear is that 9 months will be 9 months of FREAKING OUT. I'd rather have 1 month of serious freaking out. My kid's gonna come out with 2 heads from all the anxiety hormones it's gonna get.
So today's plan for elegance and refinement: to start saying my Please and Thank Yous...not "you're awesome!" when somene does something nice for me, but rather, "thank you, I appreciate it!"....
The song of the day is Check on It by Beyonce
If I let you get up on it, you gotta make a promise
That you gone put it on me, like no ones put it on me
Don't bore me, just show me, all men talk but don't please
I can be a tease, but I really wanna please you
DAMN that's a great song...I even sat through MTV's "Making The Video" 'cause i like it so much.
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