I Am Protective

[blockquote]This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #iamprotective #CollectiveBias[/blockquote]

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I can easily say that having our first child was one of the biggest, craziest, hardest and best things that Kris and I have ever done together. There is nothing like the experience of being first time parents, everything is new, beautiful, scary, exciting, difficult, exhausting and rewarding. You name any emotion – we have felt it as first time parents. Shortly after that exciting adventure we started on another one that has presented challenges that are totally different, but almost equal – medical school. These two major life events that happened so close together caused me to do a lot of thinking and reflecting.

We are lucky to have the most beautiful daughter in the world (I am not biased), but we also have a huge responsibility that comes along with that to protect her and her future. It is horrible to think of something happening to Kris or I, but when you have kids there are certain scenarios you have to prepare for. Becoming a mom gave me a big reason to consider life insurance. I want Zoey to have a secure future if something were to happen and so I started doing some research and found a great article from Protective Life Insurance that gave me a lot of clarity on what type of options are out there. Being in medical school means we don’t have a lot of extra money, so we have to be extra creative when it comes to planning for the worst and this article definitely gave me some direction. Speaking of medical school and money…

It is impossible to understand how ‘exciting’ (read expensive and exhausting) the medical school process is unless you have been through it yourself. First you have to study for months to get ready for the MCATS, an extremely difficult and expensive test that qualifies you to apply to medical school if you score a decent grade, then you have to fill out lengthy (and expensive) applications for all the schools you are considering. Next there are the secondary applications (also expensive) and after that are the interviews – meaning you have to fly all over the country on your own dime to meet with schools individually. If you are one of the lucky few to get accepted you then have to pay tuition for the next four years. Tuition payments range from 10-80K per year. So add that all up plus your living expenses and lets just say…we call our money ‘fake money’ these days.

This is all a completely worthwhile investment if everything goes as planned. There is no doubt that we will be able to pay it all off when Kris is working as a doctor. But if something were to happen that made Kris unable to pay his debts they would be left to the closest family member. I can’t imagine if something were to happen to both of us and the ‘gift’ we left with our family was a massive pile of debt. This is another reason life insurance has become a topic of conversation in our home. I want to make sure that no one else is left with the burden of this responsibility.

All that being said, there is no doubt that being parents and going to medical school are some of the best gifts life has given us. There is nothing more beautiful to us than our baby girl, or more perfect. The fact that Kris has a solid career lined up brings us so much peace and security. As the saying goes, dream as though you’ll live forever, live as though you’ll die today. That is what we are trying to do right now. Live in the absolute beauty that today is, but prepare for whatever the future may bring us.

What big life events have inspired you to start planning and preparing for the future?

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