This week I called my daughter’s pediatrician to schedule her pre-kindergarten vaccinations.
“But she doesn’t start kindergarten until the fall,” the nurse said. “You can wait until summer if you’d like. ”
“I’d rather not wait,” I told her. “I have health insurance now.”
I’m sad and more than a little angry that I have to be thinking like that these days, but I suspect a lot of parents are worrying about the same things. I’m not expecting a downturn for our family – I hope we’re able to look back on this craptastic economic period and say, “Whew! We made it.” But just in case, I’m doing what I can to put us in the best possible position should the unexpected occur.
I’m taking the money that I normally would send to my IRA and putting it in a regular savings account. I know all the experts say to keep investing during this time, and my husband likes to warn me that I’ll “miss the upturn” when things get better if I don’t keep pumping money into my retirement. But you know what? I’m young. And I’m not spending the money. If and when things improve, I’ll write a big old check to Fidelity. But if we do find ourselves needing cash, I’ll be able to put that money to better use buying food for my children and keeping a roof over their heads than flushing it down the toilet that is today’s stock market.
Any additional money we can save or get our hands on goes into savings, too. I enjoy thinking about all the investing and debt-paying we’ll be able to do if we don’t end up having a dire need for the cash.
I also am following the suggestions in this article, which I found on CNN the other day. My daughter’s getting up-to-date with her shots, we both are getting our teeth cleanings and check-ups a bit early, and I’m trying to get my husband into the eye doctor to get a new pair of glasses.
To pull out an old cliche, I’m making hay while the sun shines, preparing for a rainy day that I hope never comes. I wish I could do more, but at the very least I’m buying myself some peace of mind. Anybody else doing this as well?