After almost 40 years of working my *** off, I’m near the point of enjoying my retirement.”Golden Years” some call it, yet is it really golden I ask you.  All I’ve known is work and even when I’ve had a week or two to sit and home and relax, I start to go stir crazy.The next few years should be a learning experience at the very 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.Till now I have been aimed at building my nest egg lage enough to keep me going until retirement.  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.Dealing with the extras that are added on was the hard and unexpected thing about my parents passing, funeral expense, medical bills debts they had, and even legal fees.

It was not only the last thing on my mind but truly the last thing I wanted to deal with at that moment so I’ve decided to do a little research on how to keep my family out of that mess when my time comes.  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.

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