After they done you can spend time, enjoying your van.

Heaven.

The whole process was pretty painless, and a nurse even came to our house at our convenience to do the minor physical (no coughing!) and blood/urine samples.

I’m a little confused on the life insurance decision though. Why the push for a 30 year term? At the pace you’re going (heck, at well less than half the pace you’re going), you should have more than enough set aside to be self-insured long before that 30 years is up. Oh, sure, the difference between a 15 year policy and a 30 year one is probably not all that much in actual dollars, but why pay something like 2.5 times more for something that’s giving you little actual benefit?

I can see, with term being so cheap, its hard not to go ‘Why not add another $500k?’ or ‘Why not add another 10 years?’. But being over insured is just wasting money that could be better used elsewhere…

You saved money for a vehicle. You paid cash, unlike virtually every other purchaser. You got a relatively new vehicle that is reliable and meets your needs.

Why, then, are you obsessing on the drop in your savings? It was a planned purchase.

Most of us got into financial difficulty because we did not plan our savings around our needs. We had wants and we fulfilled them, digging ourselves into debt.

I’m not out of debt, yet. I’m working hard to get into the position you are now in. BUT–when I get there, I do not want to be so obsessed with a dollar figure in my savings that I cannot enjoy the things I need to buy with those savings.

Relax. Ya gotta spiffy red mini-van! Enjoy it!

I too need to get my will in order as well as shop for life insurance. Do you think you could pass on any of the top agencies you are considering?

Thanks!