Mean is the New Nice
Have been feeling very evil lately. That can only mean one thing...I am PMSing. Please avoid contact with me for one week unless you would like to suffer the wrath. And no I refuse to purchase midol, I don't want to abuse Western medicine. I mean what if I REALLY have cramps or a headache one day and I've been popping Midols or Advils whenever my head just "slightly" hurts...I don't want my body to get used to drugs. That came out wrong...or did it...*trying to conjure up my best "up to no good" look* However for those of you who know me, I probably look like I have a weird twitch, whatever, I'll settle for different.
My parents brought one of their church friends, a financial planner from MetLife, over to talk to me a little about "planning ahead" tonight. And I gotta say, even despite my horrible mood swings, I was impressed. I thought when he first started talking that he was going to tell me all about how to get the most out off my 401K and Life insurance by putting a gazillion dollars in now and watching it grow while being poor...then when I'm 65 I'll REALLY be able to spend it. Spend it on what...a new hip? However, he advocated more of a balanced approach. Really saving up for the future is just a trade off between watching your life go to waste now because you're too busy looking ahead or living it up now and really not living in the future. To me this translates to "live with your parents now or live with them sometime in the future." But there's always a balance, and I'm gonna freaking find it. I'm gonna be the MOST "well prepared for the future yet still partying in the now" individual ever. Never let the scale tip.
Anyway everything was good until he got to talking about marriage and how the most important component of any holy matriomony should be a guy who has life insurance. WHAT EVERY GIRL WANTS. I mean if you rationally think about it, yes it's important, you could really get screwed if your man decided to die on you (or worse be in a vegetative state where you still have to pay millions of dollars for him to just stare off into space, do vegetables stare?) and leave you with four kids. OH HOW DID HE KNOW WHAT MY DREAM LIFE WOULD BE, I've always wanted to be tied down by a family both financially and emotionally. Boy those Metlife people sure are good at picking out my wildest fantasies. All in all, I give him an 8 for his advice. The marriage thing might have been a little conventional, provided that I decide to take the conventional route...But I really can't see myself depending on anyone for that kind of financial aid, or revolving my finances around my family. They can take care of themselves right? I mean look at Pebbles, all I gotta do is buy her litter and she knows just where to go...except when it thunderstorms. Then she just has a shitfest everywhere...but only reserved for those rainy days when the lights go out.
So then I got to thinking about family because apparently if I'm gonna start putting lots of money in my 401k and life insurance, most likely the people who are going to be able to actually spend and enjoy my later accumulated wealth will be my parents (if they outlive me), my potential family, or charity. God I would hate to have to give up monthly allowances NOW in order to save it all up later for some ungrateful brats who will most likely want to be rid of me. Because that's what I am now, an ungrateful brat who wants my freedom. And my parents probably won't get a penny of my money, because it's not likely that the timing would work out unless somehow I died prematurely...which I doubt will be such a gain on their part. It's almost as if I have no family gene in me. I'd be lying if I said I didn't want to have a child, to see what the whole "mother thing" is all about. Or to be married and see what it's like to have a devoted husband who would hopefully adore me. But there's just seems to be a whole element missing there. The institution of marriage in this day and age is a sham anyway, yet people waste so much time in banning gay marriage...if anything the gay couples that I know have had some of the most functional relationships I have seen yet.
GETTING back to the point, I will probably start putting aside some of my money away because the way that guy explained it, you'd almost have to be an idiot to not. I can always change the beneficiary/trust/charity facts later...and who knows I may even update it on a whim by whim basis. So now when I say "you're off my list," that brings on a whole new meaning my friends.
That's enough rambling for now.
On a completely irrelevant note, I will be purchasing an mp3 player and digital camera soon...because all my technology decided to fail me all at once. Any suggestions might get you brownie points. Bwahahaha...really not so funny.
My parents brought one of their church friends, a financial planner from MetLife, over to talk to me a little about "planning ahead" tonight. And I gotta say, even despite my horrible mood swings, I was impressed. I thought when he first started talking that he was going to tell me all about how to get the most out off my 401K and Life insurance by putting a gazillion dollars in now and watching it grow while being poor...then when I'm 65 I'll REALLY be able to spend it. Spend it on what...a new hip? However, he advocated more of a balanced approach. Really saving up for the future is just a trade off between watching your life go to waste now because you're too busy looking ahead or living it up now and really not living in the future. To me this translates to "live with your parents now or live with them sometime in the future." But there's always a balance, and I'm gonna freaking find it. I'm gonna be the MOST "well prepared for the future yet still partying in the now" individual ever. Never let the scale tip.
Anyway everything was good until he got to talking about marriage and how the most important component of any holy matriomony should be a guy who has life insurance. WHAT EVERY GIRL WANTS. I mean if you rationally think about it, yes it's important, you could really get screwed if your man decided to die on you (or worse be in a vegetative state where you still have to pay millions of dollars for him to just stare off into space, do vegetables stare?) and leave you with four kids. OH HOW DID HE KNOW WHAT MY DREAM LIFE WOULD BE, I've always wanted to be tied down by a family both financially and emotionally. Boy those Metlife people sure are good at picking out my wildest fantasies. All in all, I give him an 8 for his advice. The marriage thing might have been a little conventional, provided that I decide to take the conventional route...But I really can't see myself depending on anyone for that kind of financial aid, or revolving my finances around my family. They can take care of themselves right? I mean look at Pebbles, all I gotta do is buy her litter and she knows just where to go...except when it thunderstorms. Then she just has a shitfest everywhere...but only reserved for those rainy days when the lights go out.
So then I got to thinking about family because apparently if I'm gonna start putting lots of money in my 401k and life insurance, most likely the people who are going to be able to actually spend and enjoy my later accumulated wealth will be my parents (if they outlive me), my potential family, or charity. God I would hate to have to give up monthly allowances NOW in order to save it all up later for some ungrateful brats who will most likely want to be rid of me. Because that's what I am now, an ungrateful brat who wants my freedom. And my parents probably won't get a penny of my money, because it's not likely that the timing would work out unless somehow I died prematurely...which I doubt will be such a gain on their part. It's almost as if I have no family gene in me. I'd be lying if I said I didn't want to have a child, to see what the whole "mother thing" is all about. Or to be married and see what it's like to have a devoted husband who would hopefully adore me. But there's just seems to be a whole element missing there. The institution of marriage in this day and age is a sham anyway, yet people waste so much time in banning gay marriage...if anything the gay couples that I know have had some of the most functional relationships I have seen yet.
GETTING back to the point, I will probably start putting aside some of my money away because the way that guy explained it, you'd almost have to be an idiot to not. I can always change the beneficiary/trust/charity facts later...and who knows I may even update it on a whim by whim basis. So now when I say "you're off my list," that brings on a whole new meaning my friends.
That's enough rambling for now.
On a completely irrelevant note, I will be purchasing an mp3 player and digital camera soon...because all my technology decided to fail me all at once. Any suggestions might get you brownie points. Bwahahaha...really not so funny.
posted by Mix at 12:39 AM
4 Comments:
An excerpt from my rant:
"...another thing that perplexes me is why people have kids.
It just seems like such a painful process. You go through this long pregnancy time and then you actually have to go through labor and then you have months of sleepless nights and you spend tons of money ...
One person did point out that the reason is because we all come from a line of people who wanted kids, the people who didn't want kids died out and became extinct. I think I'll probably add to that extinct population.
But yeah, to justify why I am talking about this subject under this thread- it's just such a pervasive belief that it's a good thing to get married and have kids. But WHY? Why in the world do we just assume it's the good and right thing to do? Does anyone ever question the logic behind it all? Does it occur to anyone it's really odd for people to just go off and get married and have kids? Isn't the cost/benefit ratio a little bit lopsided?"
Too bad you can't join my group called "Remind me to never get married and to never have kids".
if you don't want children, then you really shouldn't have them because to not really want them would damage them more because you might not be able to provide all the support they require. nobody can ever force marriage upon you. but there are people out there who love each other so much and get along so well that they want to be together forever and they want the experience of raising the next generation together .
not all marriages are shams. you can't blanket everyone and overgeneralize.
I feel like there isn't a life partner out there for me. Maybe I'm just being overly idealistic.
As for other people, yeah there are people who really are good for each other, but I feel most of the times people get together only to use one another. It's not really a healthy relationship. Plus the divorce rate in the US only gets higher, is it 52% now?
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