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The “What Ifs”

We were having a weekend lunch with another couple with whom we have been friends for quite some time.  So there we were just enjoying the meal, talking about everything we could think of.  Suddenly the topic comes around to finances.  Though it sounds stereotypical, the females were all about saving while the males were all about blowing money on things so that one could live moment.  It got me thinking, why are we saving, really?  Why am I so hell bent on having some money that should not be touched unless it is extremely important?

The answer came to me in the form of a question – What if?  What if one of us becomes ill and the health insurance would not cover everything?  What if one of us gets into an accident and we need extra cash to cover the expenses?  What if my job suddenly loses some clients and I don’t earn as much?

The list could go on and on – what if something happened and I had no money to deal with it?  That is one big reason I am hell bent on saving.  No matter that I cannot get all the luxuries that I want when I want them.  No matter that we only go on vacation twice a year.  I feel that we are still living a life that is full of satisfaction and fun.  We are still meeting our daily needs and then have some for a little extra on the side.  I just can’t sit back and watch us spend like millionaires (which we aren’t) only to find out that we aren’t prepared when the “what ifs” of life hit us.