Adulting 101: Why Life Insurance is Easier (and Cheaper) Than Training My Puppy

When you woke up this morning and think HEY! I need life insurance? I didn’t. Nope, I woke up to Mr. Walter the 4 month old Great Bernese throwing up. Seriously, does anything get a person out of bed faster?

Let’s be honest, no one wakes up, stretches and thinks “You know what sounds incredibly thrilling? Shopping for life insurance!” AND if you do, well, ummm yeah, I got nothin’. I’m sorry?

My Mom associated getting life insurance as a jinx. The ultimate buzzkill, existential dread, complicated paperwork, and most importantly coming face-to-face with her own mortality. She truly felt that getting life insurance put a date on her death. She thought life insurance was a jinx and she would die as soon as the insurance went into effect. When my Mom did pass away it was upto me to take care of all the expenses. SO NOT COOL MOTHER!!

Yes, shopping for insurance might feel like the ultimate “adulting” chore. But here is a secret that I can’t shout loud enough: checking this massive box off your to-do list is actually easier, less stressful, and often cheaper than trying to teach a brand-new puppy not to chew on your favorite shoes. I KNOW this FOR A FACT! Walter is a terror! Walter is an expensive new addition to the family.

When you really break it down, looking into your options isn’t about doom and gloom at all. IT IS NOT a JINX. It’s actually one of the most fiercely loving, protective things you can do for your family.

The Real Cost Of Life Insurance: Less Than Your Caffeine Habit

We tend to build up life insurance in our minds as this massive, monthly financial burden. We assume it’s going to eat a giant hole right through our carefully crafted family budget. But in reality, securing peace of mind for your family’s future might only cost you about the same as a few morning coffee runs. Or in my case a few less thrift store runs. I might just have a problem there.

Think about it this way: if someone told you that skipping a few thrift store runs, one or two less lunches out with the girls, or even a few coffee runs a month could entirely guarantee that your mortgage would be covered, your kids’ college funds would be protected, and your partner wouldn’t be left drowning in bills if the unexpected happened, you’d hand over your loyalty card in a heartbeat. Right? (AGAIN MOTHER!! I hope you are over my shoulder reading this!! NOT COOL!! SO NOT COOL!!)

I truly think it will be a total eye-opener when you find out how much life insurance costs in real life.

Why Life Insurance Actually Matters Right Now

If you have people who depend on you—whether that’s a spouse, a chaotic house full of kids, or even a cozy home with a mortgage—life insurance is your ultimate safety net.

• The Mortgage Magic Trick: It ensures the roof stays over their heads, no matter what.
• The Everyday Cushion: It covers the mundane, expensive stuff, from utility bills to grocery hauls.
• The Gift of Time: It gives your loved ones the space to grieve and process without the immediate, crushing panic of financial ruin.

It’s Easier Than a Puppy (Seriously, I Am NOT Kidding)

If you’ve ever brought home a puppy, you know the absolute chaos of the first few months. There are middle-of-the-night potty trips, ruined rugs, endless obedience classes (I REALLY need to enroll Walter in a class), and a whole lot of biting. It takes months of exhausting, consistent effort to get a dog to simply sit on command.

Securing a policy, on the other hand? You can get a quote online while sitting in your pajamas, watching your favorite reality TV show, without ever leaving your couch. No house-training required.

My Final Thoughts: Pour the Coffee, Get the Peace of Mind

You don’t have to sacrifice your daily joy or completely overhaul your lifestyle to be a responsible grown-up. You just have to make a few smart, simple choices.

So keep enjoying your morning coffee, keep embracing the beautiful chaos of family life, and take five minutes today to cross this off your list. Your future self—and your family—will thank you for it!

Oh I just have to add… one last time. REALLY MOTHER?!? I’m mad all over again. NOT COOL! Yeah, yeah, yeah, I still love you and miss you everyday.