Life Stuff You Should Always Plan For

Life stuff

Estimated reading time: 3 minutes

Life: It’s like a box of chocolates, but nobody tells you half of them might be those weird cherry-filled ones. You never know what life will throw at you or when it might happen, but you can predict and plan for some of the most common aspects of human life, and you should! So, let’s take a look at them below:

1. The “Oh Crap, I’m Old” Fund

Retirement. It’s that thing you think is light-years away, but guess what? Those years aren’t as light as you think. Starting your retirement fund isn’t just a good idea; it’s a must unless your retirement plan is hoping you’ll win the lottery or discover that you’re the long-lost heir to a vast estate (spoiler: you’re probably not). Put away a little bit from each paycheck and invest in a 401(k) or an IRA. Future you, sipping cocktails by the beach, will thank you.

2. The Rainy Day Bucket

Second up, we have the emergency fund. Why? Because life loves throwing curveballs—everything from sudden job losses to unexpected car repairs. And let’s be honest, using your credit card as an emergency fund is about as effective as using a sieve to carry water. Aim to stash away at least three to six months’ living expenses. It’s like having a financial umbrella for that inevitable day when it pours.

3. Disaster on Demand

While we’re discussing unexpected events, let’s talk about disaster preparedness. A basic plan can make all the difference, whether it’s a hurricane, earthquake, or the zombie apocalypse. Stock up on essentials like water, canned food, flashlights, and perhaps a cricket bat for the zombies. It’s better to have it and not need it than to need it and not have it.

4. Dear Departed Plans

Alright, let’s touch on a grim but necessary topic: how you prepare for death. It’s not the cheeriest of plans, but it’s inevitable unless you’ve discovered immortality. Getting your affairs in order—like writing a will, setting up life insurance, and even planning your funeral—can save your loved ones a lot of stress and confusion. Think of it as your final act of kindness, a parting gift to those you care about.

5. Career Curveballs

Plan for career changes. Gone are the days when you’d work 40 years for a gold watch and a pat on the back. Nowadays, career paths are more like jungle gyms than ladders. Keep your resume polished, your skills sharp, and your LinkedIn up to date. Networking isn’t just for job seekers; it’s a career-long endeavor. After all, you never know when you’ll need to jump ship or when the opportunity will knock.

6. Family Foundations

Last but not least, if you’re considering starting a family, that’s something to plan for. From financial adjustments to lifestyle changes, having kids is as big as life events get. It’s like deciding to have your heart walking around outside your body permanently. Some foresight can go a long way, whether it’s baby-proofing the house or starting a college savings plan.

If you have a plan, you can handle anything, so it’s time to start!