After almost 40 years of working my *** off, I’m near the point of enjoying my retirement.  To be honest, many people call it the golden years but I’m still trying to figure out what’s so golden about it.I’ve known a lifetime of work and start to experience stir-craziness when I have a few days to be home relaxing.  I think the next years will be an interesting learning experience to say the least.

Having said that, when I entered college I learned a few lessons that I remember even now.  The biggest lesson of them all, though, was that of financial security and well being.  Up until these days, all my focus has been on making sure I nest egg away enough cash to keep me going in my retirement days.  Now that those days are upon me, though, I need to shift focus to other things.

I don’t contribute to a 401K any more, rather I will be emptying one out, which certainly will be odd.  I took that as my cue, though, to set myself and my family up for my own well being and theirs.  I hate to say it as it sounds a little creepy to me but the reality is that we all pass on when it’s our time and I wanted to make sure that my family wasn’t stuck with my financial burdens when that day comes.  I think the hardest thing to have to deal with when my parents passed was all of the extras that come tacked onto it such as funeral expenses, medical bills that had arisen, their other debts, and even the legal fees that became associated with it all.

At that moment it was the thing I did not want to deal with, the last thing I wanted to be reminded of, so I did the research on keeping my family clear of the mess when I pass.  For that, I’ve found the one simple solution and it’s known as final expense insurance.Truly, final expense insurance is what I have been seeking.I have it organized to cover all my current debts, which I hope to eliminate before I pass, and to leave small bequests to those that stick around after I’m gone.  It’s truly a great thing to know that I’m relieving my family of undue stress.