Suddenly, a 'grown-up'

I feel more like a grown up on some days, more than I do others. In fact, the number of days I DON'T feel like a grown up is significantly higher than the days I feel like a grown up. In fact, I would have to say it goes like this:

Number of days feeling like a grown up: maybe 0.5
Number of days not feeling like one: all the rest.

Do you think I have Peter Pan Syndrome?

Anyhow, the reason for feeling a little more grown up today, is that after work, we are meeting with our financial advisor for grown up stuff. Life insurance. Retirement savings. College savings plan for the baby.

We met with him one time before, and we thought "What a great guy--he sure knows a lot, and he could really help us a lot when the time comes...." and then we made another appointment, but missed it because Kevin's grandma died. Then christmas came. Then we were pregnant. And the other day, I decided that now that I am going to be giving birth to this baby, I want Kevin insured. And I want to be insured for him too. Of course, his being insured first is most important, because if he dies now, but I don't, I'll still be a single mother raising our child. Even if something horrible happens before the baby is born. On the other hand, if I were to die tragically now, most likely, at 19 weeks, he would lose both of us. Therefore, he would not have a child to raise alone. Yet.

In a few weeks, that will change, because the baby will be developed enough that it can live outside me, and in a few more weeks, it will be born, and I could be driving to the grocery store while he watches the baby (and football) one sunday afternoon and be killed by a semi, then he would be a single dad. It would be nice if he had a big chunk of change to help offset the costs of not having my income.

Seems kind of morbid, but it's the way it is.

We are going to work on retirement, too. We've discovered over the past few months that if we try, we are remarkably good at saving money. Sweet. So, we need to start working on retirement. At 28 and a few days shy of 30, I personally feel like , damn, why did we wait so long?? On the otherhand, Kevin feels like, damn, we are so young, that if we start saving for our retirement now, we are going to be able to retire so stinking early! By the time we are 65 or 70, we will be resting easy! Of course, then I say, damn, I might have to work until I am 65 or 70? Jesus, I was hoping for a retirement of maybe age 50 or 55. I guess that'll never happen. People shouldn't work into their 60's. There are people here that old, Kevin's parents are that old, and whenever I have interaction with those people I think, dang they are so old and still working, that sucks, Kevin and I have to plan better than that.

OK, and the next thing on the agenda: a college savings plan for Babypants. Neither Kevin's parents or my parents had one for either of us, and we want to be able to have one for each of our kids.

Having to plan this stuff, and face this kind of stuff, really makes me feel like a grown up.

Sheesh.

We'll see how it goes.