Financial & Estate Planning?....oofta.

Um...did anyone know that we should be buying into a Life Insurance plan at age 30? I mean, I know it's smart to have, but I always just felt comfortable having that automatic life insurance that comes with your health insurance. Turns out....that's dumb thinking. So I've had to come to terms in the last couple weeks that I am financially dumb.

So now, for the first time, I'm thinking about Life Insurance, Disability, and IRA's. It's weird to think about planning for these kinds of things when I'm really not making that much money, and I'm also in debt. But this financial planning class I just went through really was a turning point in terms of being more financially sound. I never really thought of retirement before, but the reality is that at some point I'm not going to want to work anymore.

I mean, I ALREADY don't want to work anymore.

I suppose it's time to actually start planning for that to become a reality.

Step 1: Can anyone tell me how the Hawaii state lottery works?

Just kidding.

Sort of.

Also, I'm going to be making up a will, and instructions in case of my demise. I know this can be a little morbid, but unfortunately I know through crappy experience that it's necessary, and smart. It's also nice to think that I have some control over how you all will mourn me when I go. Hopefully that won't be soon. But none of you are wearing black. I'm going to demand it, FYI. Don't worry though, I promise not to make you do this: http://www.foxnews.com/story/0,2933,406081,00.html

But seriously, if there is anything of mine you want, I really am making up a will, so let me know what you want and I'll put it in there. I have a really cool colander that has a hook to hang on the faucet while you rinse stuff.