>We must be growing old. Yesterday The Guy had a meeting with a life insurance agent and came back home to tell me about the different schemes that made most sense for where we were in life right now.
Now, my contribution to most discussions on financial planning is minimal – the max I can do is understand what’s being told to me. I think the side of my brain that deals with money management must’ve been paralysed at birth, because numbers and figures make no sense to me at all.
Anyway, I digress. So The Guy was explaining different insurance plans to me, highlighting their pros and cons for the numerically-challenged wife. We both agreed on one of the insurance policies which would mature after 20 years and make us quite rich if we paid our premium on time. I was trying to think like a grown up, like how that money could be used to take care of our child’s education or medical expenses and other such stuff twenty years hence when The Guy reminded me how we’ll be celebrating our 25th anniversary the year we get this handsome amount of money! I thought he was pointing out the coincidence or some such thing but that’s not what he had in mind. “So we can use the money to go for a world tour to celebrate our anniversary!” he clarified.
I couldn’t stop laughing. You see, people go in for life insurance for various reasons: to save tax, to save up for a later time in life, for an emergency perhaps, but we’re different! We save up for an extravagant holiday! I still can’t stop smiling.
Maybe, we won’t use that money for a holiday after all. But just the thought is exhilarating to be planning not for the necessities of life but the luxuries. On normal days, we’re struggling so hard to be there that we have no time to indulge in the little fantasies of our mind. And then comes across a thought like this and you feel like you’ve been set free!
The world trip will happen in good time, but for now, we’re settling for a four-day break in the hills with friends.
Be good and be back 🙂