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Preparing for death

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Averia Light

Averia Light

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FiFi LaFeles said :
I take my hat off to you for being so prudent and diligent in your activities for ensuring your family will not hit hard times should you die suddenly.

I don't think there's anything abnormal in that. Probably more people would do it if they could.

I've done it myself throughout life; having had a childhood where not even the next meal was a definite I've done the thing as an adult ensuring the mortgage got paid off in my 40s, taken out various insurances (including for funeral expenses) and stashed cash in different savings plans (not stocks and shares - I'm not smart enough to undertake that, lol) - so that whoever is left behind isn't given the burden of debt or scraping an existence.


Yeah, that makes sense and similar why I am doing it. It just feels instinctual, so I had no idea that it could be considered abnormal at all.
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 17:51:37

Averia Light

Averia Light

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Stoat King said :
Averia Light said :
Stoat King said :
OP - you are just being pragmatic. Nothing wrong with that.
If people are freaked out by it, then thats a them problem.


That is kind of how I view it, but I was shocked that a professional was concerned.


Lol. Some mean-spirited people might say that that wasnt concern - it was dollar signs lighting up in their eyes.
The "omg this client is obsessed with death" dollar. Thats a good dollar!
Cant blame them for keeping an eye out for their own meal-ticket.


I liked the guy, but this was a topic that I couldn't meet him on.

I also posted here instead of reddit because they love therapists over there.
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 17:53:23

Averia Light

Averia Light

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Brigantia said :
I can see where the concern might come from, especially if you approach it from an obsessive standpoint. Though for the amount of adequate 'prep' you probably have to do, I'm sure it's a struggle to not be a bit obsessive about it.

As I'm sure you're intending, it's better safe than sorry and I'm sure we all have known someone who was affected by a sudden death and were left blindsided and unprepared. You know the story.

The thing I find most unfortunate about the situation is that you feel the need to prep for all of that. Savings, ensuring enough single income because just incase, making sure there wouldn't be debt for whoever is left to deal with the aftermath. It's insane.

I don't see why it would be an issue as long as you're managing things in a health manner.

Honestly it just brings me back to my constant quip of HOW is America the greatest/richest country in the world if you can't afford to not worry about things like that?????????????


It is unfortunate that anyone has to consider this, but I would think it is just the reality of the situation. As you said, we all know that family where one of the parents died (or whatever dynamic) and they just never recovered. Personally, I can't bear the thought of knowing that I could have done something before it was too late...

...and even if nothing happens, what is the worst consequence of it? Being financially stable?

Do you do anything to prepare for the "what if"?
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 18:00:18

Brigantia

Brigantia

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Personally, no. I've never been in a position where I could do anything to prepare for that, so I have to not worry about it.
Arrr! Only th' Devil an' I know th' where'bouts o' me treasure, an' th' one o' us who lives th' longes' should take i' all.


@CapnBrigantia

09-Mar-2021 18:05:52

Averia Light

Averia Light

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FiFi LaFeles said :
I think maybe when you have offspring there's often a shift in the way you think.

There's this little creature who is utterly dependant and it's a primal urge to protect it/them.
One of the few pro-active ways a person can do that is to ensure there is financial provision in the event of their untimely demise.

Let's face it, irrespective of where you live money is King and who wants to contemplate their child/ren being left destitute or struggling if something can be done to pre-empt such a situation. Indeed, it's why most of us ensure we have a Pension, or other income stream, for ourselves in old age - it's a precautionary and very sensible early action to guard against potential hardship in times to come.

I believe the meticulous planning the OP has made and is making is not some sort of over the top aberration - I believe it is because she is naturally a person who has immense attention to detail. Possibly highlighted by her career where such a trait is highly desirable.

For a Therapist to suggest that it's an unhealthy obsession is, in my view, merely indicative of the Therapist's unsuitability to practice by not being able to recognise different personality traits and trying to see a problem where there isn't one. Some of us are happy to freefall through life and some are most comfortable covering all the bases. Neither is right, or wrong.

Far from the OP obsessing about death, I'd say she's looking to the future - a future where she and her family are free from financial worry so far as she can make it happen.


Fairly accurate.
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 22:07:29

Averia Light

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Megycal said :
I think financial planning is sensible. One thing I do find odd is buying clothes for the children for 2 years ahead. Children grow at varying speed and also styles might change. Some will say fashion doesn't matter but who can say how that child will feel about such things in the future? I don't care about fashion but I'm old. :P If I like something I don't care if its this year's style or one from years ago.


She is 3.5 and the things I bought were obnoxiously sparkly, colorful, sequins or a combination of the three. I buy from thrift stores (the main one is Once Upon a Child) or from clearance racks. I have yet to meet a 4 - 6 year old who doesn't like obnoxiously busy outfits.

So yeah, it is a bit of a risk, but I view it as a small risk that so far has worked flawlessly. Once I hit the 6-7 year old range, I'd just buy the essentials (like jeans, tank tops/layers, things like that). Shoes and coats as well.
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 22:12:12 - Last edited on 09-Mar-2021 22:13:12 by Averia Light

Averia Light

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Theos said :
I wrote a much longer, more thought out post but then got timed out of the forums... and lost my response. :@

Balance is required, like with many things in life. To what extent is preparing for death, or preparing for a multitude of possibilities of what could happen in the future impeding upon enjoying the present moment? I don't think living to build solely a massive retirement account and saving every penny is enjoying life, nor is spending every penny and not saving for the future ideal.

We don't know when "our time" will come. I think that it is important to try to enjoy the present moment, while also simultaneously having a plan for a future. I hear from so many people that they're working hard and saving all of their money so they can "travel and enjoy life at 65+" in the future. Why not travel, reasonably or do whatever it is you enjoy now within reasonable moderation and safe for the future?

I try to plan for the possibilities of the future, but we can't plan for everything. Trying to will only lead to stress, and disappointment.


Yeah, I can get that, but I don't feel like I necessarily limit myself. A huge part of preparing is actually saving money and the more expenses I take care of, the more money I have. It is similar with investments. The more I invest, the more I generally get back (I like dividend stocks). Plus I buy at thrift or deeply discounted prices when they become available. I make a lot of my own detergents/cleaners and I am breaking into clothes making and other ways to save money.

I'm to the point where my discretionary budget is quite high and I can throw 10k or so at the house a year and 5k or so at investments and pretty much whatever at clothes. I don't travel because travelling with a 3.5 year old is a pain and I am waiting for her to turn 5 and I plan to pay off the house when she is 6 and... I guess I will stop here as each individual goal just kind of falls into each other..
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 22:24:56

Averia Light

Averia Light

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BreakingBad said :
Hmm, quite an odd one. However, in eventuality we all die.

I often come across people wanting to meet their end. One good communication tactic is reminding people what they're alive for, and often have to tell families the worst too.I don't think planning for the end is a bad thing but in my mind certainly a 'limit', I don't plan my career for wanting to die. I have great insurance and pension but that's about where I stop. I ride motorbikes, like to drive fast (legally, of course where permitted), but I don't endanger myself or other people. I have plans in place when I die, I've spoken to my family and my family have spoken to me about theirs.

I don't particularly 'plan' to die, but accept it will happen, and happen to us all. Less focus on dying, more focus on the living because you won't enjoy the now, the now is what we live for.


I'm not necessarily scared of dying or anything like that, I just want to set my family up for success in the event that it does happen (or myself of my husband dies).
And I swear I'm not going to let her know all the pain I have known

09-Mar-2021 22:27:10

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