Posted by: Wagons Ho | February 24, 2017

So much adulting

After 25 plus years of being an “official” adult I thought I had my shit together. I had a will, health insurance, life insurance,  bank accounts, and a 401K. But then mom died and I realized how much I hadn’t done. My will was 5 yrs old. I assumed I had beneficiaries on all my accounts, but wasn’t sure. I was putting the bare minimum into the safest plan in my 401K. I hadn’t made any real plans for retirement, or college, or death for that matter.

So now I’m making up for lost time. I’ve taken webinars about college, retirement and estate planning. I met with a financial planner to figure out where to go from here. I’ve updated beneficiaries, my 401K plan, and am in the process of updating our wills. I’ve done healthcare directives and powers of attorney. And, in the middle of all that, I’ve even done this year’s taxes.

This kind of adulting is hard. It brings a whole new level of “Am I completely screwing this up??!!??.” Worrying about retirement and college plans, investments, trusts vs. wills, and more makes things like when did the kids last eat a vegetable, and am I reading to them enough, seem small in comparison. ACK!!!

Despite the stress it feels good to get it all done. To know that things are in place for our future, and for the kids. I think mom would be proud. After she got done bitching at me for taking so long to get it done that is.

 

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