As someone in their late 20s, I’ve experienced a lot of my youth already in life. While I’m not ready to admit that I’m beyond those youthful years (and I really don’t act like I am, ever), I do acknowledge that I should start looking ahead and handling things that most adults do on a monthly basis.
One of those things, to be frank, is getting a life insurance policy.
See, I’m quite healthy for my age. Well, I’m above average, I should say. While my joints sometimes ache after running and I can be a bit worn out after climbing multiple flights of stairs, I definitely combat those problems by hitting the gym 3 to 4 times a week and being conscious of the things I consume. Sure, I can down a greasy burger and a few beers in an instant, but it’s not what I eat and drink every single day.
But even knowing that I’m healthier than your average 27 year old American doesn’t make me exempt from handling things like a responsible adult, such as getting the appropriate insurance policy to cover my life.
With marriage on the horizon and kids not long after that, it’s particularly important to think about life insurance sooner rather than later. And to avoid rates hiking up any more than they need to, getting it now while I am particularly healthy is a far better decision than putting it off until I have kids and possibly see a decline in my health.
So, life insurance is just one of those things that need doing when you enter adulthood and exit college. And I know that tackling insurance like this will get me in a good way with taking care of other things (like getting a mortgage, having better health insurance, and even taking out a loan for a newer vehicle). It’s a snowball effect, really, and it all leads down the path to adulthood.
So, while I don’t ever think I’ll grow out of acting like a kid, I realize that it’s time to at least do the responsible things that adults do (even if I fail to relinquish my childish ways).
Growing up is something everyone has to do eventually. A lot of people paint responsibility and adulthood in a negative light, but really, it’s a gateway to independence and financial stability. And those two things are severely underrated as great things in life, because with both you can do all the things you never could as a child.