A Quote by Michelle Singletary
Once you finish paying for college you could reduce your life insurance.
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Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.
Who's paying the million bucks? The insurance company. We've been trying for years to get the insurance industry to say to the gun industry, We won't insure you unless you have policies that will reduce the likelihood of guns falling into the wrong hands easily.
We can think about how we reduce the pain in paying. So, for example, credit cards are wonderful mechanisms to reduce the pain of paying. If you go to a restaurant and you are paying cash, you would feel much worse than if you were paying with credit card. Why? You know the price, there's no surprise, but if you're paying cash, you feel a bit more guilt.
I know you think that a quarter-life crisis is thought to happen when you finish college. Well, mine started around the time I was supposed to finish college.
I started thinking about life insurance and how nice it would be if you could get insurance that your life would be happy, and that everyone you knew could be happy, and they could all do what they really wanted to do, and they could all find the people they wanted to find.
Health insurance, which is exceedingly difficult to secure as an individual in New York. Obamacare, while certainly better than nothing, is pretty awful, and if you have a complicated health history, as I do, you need premium insurance, which means private insurance. The challenge, though, is finding a company that will give you the privilege of paying up to $1,400 a month for it. When I didn't have a job, I spent more time thinking about insurance - not just paying for it, but securing it in the first place - than I wanted to.
So, what people are actually left with to spend is maybe 25 to 30% of their income on goods and services, after paying taxes and after paying the FIRE sector (Finance, Insurance, Real Estate). Whether it's housing insurance or mortgage insurance. So there's an idea of distracting people. Don't think of your condition. Think of how the overall economy is doing. But don't think of the economy as an overall unit. Think of the stock market as the economy. Think of the rich people as the economy. Look at the yachts that are made. Somebody's living a lot better. Couldn't it be you?
Well, I'm telling them two things. One is that, look, this is going to be something when the American people realize - once it's passed - that, A, it does take care of preexisting conditions; B, you're insurance rates aren't going to skyrocket; C, the insurance companies aren't going to be running the show like they were before; D, you're going to be in a position where you can keep your insurance that you have. That once the American public realizes that, you're going to get a reward for this. They're going to be rewarded.
I graduated from college when I was 20. To get enough money to finish college, I went into the ROTC, and I was an officer in the Air Force before I could buy a drink.
Many kids come out of college, they have a credit card and a diploma. They don't know how to buy a house or a car or health insurance or life insurance. They do not know basic microeconomics.
Health insurance costs in the United States are on an unsustainable path. I've heard from hundreds of Montanans who are paying thousands of dollars every year for their health insurance coverage and thousands more for deductibles before their insurance provides any benefit.
My father said that I could always become an actress, but I couldn't go back to college later in life. So I had to first finish my education, and then I could do what I wanted. At the time, I was not pleased, but now, I can't thank him enough. My parents were absolutely right.
Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.
If we reduce the minimum voting age to 16, as we should, then people could be auto-registered when they are issued with a national insurance card.
You always have your complaints about your own music. I never finish a track because I decided to finish. It's like, I just finish a track because I'm tired of it, you know? So you could be finishing songs forever, I think, if you are quite a perfectionist.
Criticism will survive even if no one's paying for it. Obviously it's better if people are paying for it. But the fact that artists weren't able to make a living from their work hasn't detracted from the quality of that work. Charles Ives was the second greatest composer in American history and he worked in insurance his whole life.
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