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I don’t talk about money much, partly because I was just kind of raised that way, partly because we’re… okay. Not amazing, financially, but I’ve got a decent job. My wife’s been out of work for a while, which is what it is, but we’re… fine, basically. We live cautiously (no car, no cable, budget) and kind of treat the mortgage like our entertainment budget (we love our house).
But even though we’re in Canada, my wife’s American, and it’s pretty amazing how the tentacles of America’s bonkers health care system can reach out to strangle you.
My father-in-law has been ill for a while, but insurance apparently ran out a while ago, and he’s recently had a number of crises. I’m not sure what the financial picture is for my inlaws, but it’s… bleak.
So last night we were both up a bit, feeling… precarious. Obviously there’s a lot of worry and concern and sympathy for our family, but the feeling of wanting to help, but knowing you literally can’t is tremendously distressing. Powerless and small.
Needless to say not a lot of sleep last night, which has thrown me off my exercise game.
Feeling very fortunate today, in terms of our personal health and relative financial stability. But there’s a cloud; a cloud that will probably not be going away any time soon.
In a weird way, this is reinforcing: keep up with good habits, personal and financial. Exercise, diet, wellness in general are all good moves in terms of financial security. Staying fit and healthy is cheap, ultimately. It minimizes the expenses you can’t control by minimizing the risk of expensive crap happening to you.
Sobriety is a move that ticks all those boxes. Immediately good, financially. And long-term good, financially: health, sound decision-making, etc.
But even making all the right moves doesn’t mean that the outside world isn’t going to reach in. Going to be some rough patches ahead.