It has been said that the only certainties in life are change, death and taxes. None of which do we find particularly easy to discuss or look forward to experiencing; however, they remain a fact of life nonetheless.

There are so many things that can happen that aren’t what we thought they would be or that catch us completely off-guard. Some common examples include divorce, car accidents, illness, natural disasters, job loss…

There are so many things that can happen that aren’t what we thought they would be or that catch us completely off-guard. Click To Tweet

Hard question: are you prepared for these events?

We all think it can’t happen to us (until it does), but most of us know many people who one or more of these things has happened to – and recently!

I went through a pretty chaotic divorce and ended up being a full-time caregiver for my mom who was suffering from Alzheimer’s when I was relatively young. These were super painful experiences, but they also taught me a great deal. As is often the case, with tragedy or trauma, it forced me to figure things out sooner than I maybe would have otherwise. And, those experiences are what drive my passion to advocate for the individuals and families I work with today.

I wish I had had someone who asked me to think about and prepare for these things, someone who had my best interests at heart and would help me navigate the options when it came to my financial future. Someone to explain the products and services that were available to me, such as IRA’s, annuities, investments, life insurance and long-term care.

These protections and long-term savings vehicles are so important but are also items that many people don’t have because they think they can figure it out later – when they have more money, when retirement seems more pressing, or their health has begun to decline.

But, here is the reality: later it will be twice as expensive, and what if something happens between now and then??? There are no guarantees when it comes to tomorrow.

But, here is the reality: later it will be twice as expensive, and what if something happens between now and then??? There are no guarantees when it comes to tomorrow. Click To Tweet

One of the things that perplexes me is the number of people who buy extra insurance on their cell phone or household appliance without batting an eye, but don’t have life insurance to safeguard and protect the ones they hold most dear.

One of the common objections I hear about life insurance is: “I’m not sure I’d ever use it, so wouldn’t that just be a waste of money?” The answer is: NO!

Also, that’s just not how it works. Have you ever heard anyone complaining about their homeowner’s insurance in such a manner?

“I’m super mad because I paid all these premiums and my house didn’t catch on fire this year—what a waste!”

That would be ridiculous, right? But, unfortunately, many people do not think of life insurance in the same way. How much more important is the well-being of your family than any material possession you own? Please make sure you are covered and protected in this way.

If you’d like to explore what’s out there, I’d be more than happy to be your guide. The beauty of the position I am in now is that I market for over 100 of the top financial firms in the country, which gives me the luxury of working with people for FREE. It also provides me with lots of options. As we talk about the things you are concerned about, your future goals and priorities, I can search out the products and avenues that make the most sense for YOU.

One of my favourite products, for example, is a life insurance product that can also be tapped into as long-term savings – for use in retirement, or to make your child a million-dollar baby!

For just $200 a month, you could protect and provide for your family, set yourself up for the future, and leave a legacy. I get that saving money can be a struggle – delayed gratification is hard! But, wouldn’t it be worth the peace of mind knowing that your loved ones will be taken care of should anything ever happen to you?

Knowing that you will enjoy the luxury of a comfortable lifestyle when you are no longer able or want to work? I implore you to take advantage of the time value of money and start investing TODAY. There is nothing you will ever spend money on that will be worth it more.

why I'm willing to scare you about finances and no it's not Halloween

Posted by KT Finances on Friday, October 5, 2018

And, if you are interested in more tips on time and money management, make sure to check out my Facebook page, YouTube channel and Instagram account.

As always, sending you tons of light and love.

Hugs,
Karen