When did you first look around and realize that you had really, truly become a grownup? Was it when you graduated college and got your first apartment? Was it when you got married? Was it when you got your first "real" job, or when you had your first child? I'm not sure that I have ever felt truly grown up (even though I am 3 months shy of 31!) until last night. Joe and I spent 90 minutes discussing Certificates of Deposit, life insurance, and wills.
We came up with an "action" list of things we need to accomplish within the next few months:
1. Buy several Certificates of Deposit. We have a savings account that is earning a pitiful amount of interest. At the end of each year, we marvel at how we can both eat at McDonald's with the interest we've earned! So, we took most of the money out and invested it into two CDs with an 8-month term and an interest rate of 5%. At the end of the 8 months, we will reinvest it into another CD.
2. Joe has a life insurance policy through his job, but it is only payable upon death. I have one through my company as well, although it is a small one. In addition, I have a whole life insurance policy. We need to look into getting Joe and I both some term life insurance. We would also like a small policy for Ethan.
3. We do not have a will. Nor do we have a guardian named for Ethan. This bothers me because no one knows what tomorrow will bring, and Ethan is the most important thing in the entire world to Joe and I. We need to make absolutely certain that he will be loved and well cared for if something happens to us. We have decided to name my brother and his wife as his legal guardian, but it has not been put into writing.
Being a grownup is hard work. It means constantly thinking about what's best for your child and his/her future. Sometimes I look around and I am in awe of all that I have accomplished since graduating from college in 1996: I have been married for 10 years and have an incredible son. I own my own home and drive nice cars. I have a bit (although not a lot!) of money in the bank and a wonderful family! When I look around, I am amazed at how truly grown up I am. What happened? Why didn't I see it before? Is it because I'm just so young at heart?
I think about the fact that I am almost 31, and I get nervous about having another baby. Will I be able to get pregnant as easily as the first time? After all, we aren't planning on trying until Ethan is 2. Will I have more health problems getting pregnant at 31? Will the baby? I am leaving that all in God's hand for I have no other choice. Life is gamble, and part of being a grownup is being able to take that risk and accept the outcome.
Being a grownup is tough, but it means I get to experience all of the wonders of the world through my child's eyes. I wouldn't trade that for anything.
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5 comments:
I first realized I was a grownup when I had to pay a mortgage!
You'll be fine when the time comes when Ethan is two. Just stay health, don't worry and have fun!
Funny because the first time I realized I was a grown up was when I grocery shopped with Shawn. (We both lived at home until the day we got married so grocery shopping with new to us) We bought cookies and pies and all the bad stuff you can imagine because WE COULD. It was too funny (and our bill was HUGE)
I agree that the best part of being a grown up is seeing the wonder of a child. It's a real blessing!
Good Post! We have no legal guardians set up for our children yet. I'm not sure who I'd choose considering we're going to have 4 and I don't know if either of my divorced parents would want to take that on. That's something we should probably think more on here at our house!
Can you go ahead and set up all that for us as well ? ? ? LOL! We are so alike. We are in the same place as you (well, except #2 already on the way) . . . we have a bit of insurance, we have an idea how we would want things handled, we have savings, but still no will, no living will and we need to up the insurance. My is very small, our goal was if something happened to one of us, our insurance would pay off the house, well it did when we have a 60k mortgage, HA, not even close now! It's weird thinking about all this stuff, I'm like you, I think becuase I feel so young at heart I never really feel grown up! I hope I never do! My aching body and sagging body parts remind me I am getting older, but my mind and heart are still about 20!
Have an awesome day!
Michelle
Grown-up? What's that???? :)
Glad to see a couple new posts, but would love to catch up more, so post more soon!
Love,
Sara
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