re: financial discussion yesterday. i know i've shared this before, but just in case: one of the best things i ever did was decide to
Posted by
b! (aka starrynut)
Feb 25 '09, 13:46
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pay for disability insurance. there are independent plans, but my work offered 2 different levels and something made me take the higher one. this brought me up to ~2/3 of my base income -- it supplemented first state dis. then social security dis. without it, things would have been extra super sucky. (i am likely not getting much from the person who hit me, so having my savings drained would have added insult to injuries.)
that plus hcsa/fsa are very good healthcare investments, imo. (the latter is a toughie because you have to estimate in advance, but it's still helpful even if you underfund.)
also: i had big debt when i was younger, not entirely my fault, but it was there; and i recommend dave ramsey, as others did, for guidance with how to get out of it. he was the only guru i saw who seemed to understand that some of us like having some savings while paying things down, and that went a long way with me.
another also: if things aren't superduper tight, i highly recommend having a regular savings deposit plan (auto or manual, doesn't matter). when the money goes in off the top, it's easier to not miss it or use it for non-essentials.
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