So my company sent out the annual medical and life insurance benefits enrollment email today. Which means I spent exactly 30 seconds reading it before I broke out in a sweat and wailed “Too hard!”.
that’s what she said.
I suck at being an adult. Anything involving bills, paperwork, taxes or medical issues gets handed directly to my husband. I’m all “Here.” and he’s all “What is it?” and I’m all “I don’t know, something from the insurance company.” and he’s all “What does it say?” and I’m all “Something about a deductable and limits and percentages.” and he’s all “This is dated three weeks ago.” and I’m all *blank stare* and he’s all “You’re just now opening it?” and I’m all “Well, I thought you would open it so I left it there for you.” and he’s all “You left it under a bag of Skittles?” and I’m all “What? You love Skittles.” and he’s all “Why didn’t you just open it right away?” and I’m all “Why doesn’t your mom just open it right away?”. Because I’m awesome at grown-up conversations.
I can’t stand thinking about adult stuff. Or talking about it. Or being anywhere near it. I just want to know how much money is in my free checking account every month so I know if I can afford to buy new boots or not. Yes, my checking account is one of the free ones that doesn’t earn any interest, mom. I shouldn’t be given control of any important financial decisions, is what I’m saying here. Not because I’ll do stupid things. Because I won’t do anything at all. I’ll set the matter aside because ohmygodscary and then promptly forget about it until it’s almost too late.
I’m pretty sure I have a 401k left over from my last job somewhere. I can’t remember the name of the place where it’s at. I don’t know how much is in it. The Captain keeps asking me about it and my response every time is “Oh yeah, we need to figure out what to do with that…maybe, ummm, roll it over?”. I have no idea what “roll it over” means. I think I heard my sister say it once when she was talking about my IRA that I haven't looked at in 7 years.
I refuse to go into my bank and talk to a real person because they always ask me why I haven’t switched to an interest earning checking account and I get tired of explaining how I tried to do it online but I got super confused by the options and my husband is a big meany so he won’t help me because “you need to learn how to do these things for yourself, Marcy”.
The only time I’ve looked at our mortgage paperwork was when we went in to sign everything and they were all “sign here” 50 billion times. The Captain, who is totally awesome at this kind of shit (thank God), took care of everything. I probably set back women’s rights about 80 years when I told him “whatever you think is best, I don’t understand it”. All I know is that I have to click on the little “pay now” button on the bank website every month when the mortgage payment is due.
I’m barely qualified to program our DVR, people. No way should I be in charge of anything as important as my financial future. You should have seen me on the night my husband decided to sit me down and work on a 5 year financial plan. He was all “Let’s make a list of goals” and I was all “Great idea. I think we should have sex on a beach some day, don’t you?” and he was all “I mean financial goals.” and I was all “Oh, right. Hey, who wants a soda? I know I do! Boy am I thirsty!” and he was all “Okay, so I was thinking for next year we should…” and I’m all “OMG you know what would be soooo good right now? Crab legs!” and he’s all “Come on, focus.” and I’m all “I could totally run a train on some crab legs.” and he was all “So basically if we transpond these numbers from your paycheck into the logistical payroll calculationer …” and I’m all *eyes rolling back into head* “I’m dead…I’m dying…it’s too boring…I’m dead from boredom.”
The thing is, I was better at all this when I was single. Granted, my life was much less complicated and I had absolutely no assets so that’s probably why. But still. I managed to have both a checking and a savings account, along with a good understanding of my medical and life insurance benefits. Then I got married and inherited two children. Things got complicated and harder. How much life insurance is enough for teenagers? Should we max out our dental insurance this year? Maybe we need to re-evaluate where our 401k investments are going? Should we enroll in the flex account? What the fuck is a flex account???
Jesus, just writing about all that makes my armpits sweaty. I hate this shit. I just want someone else to do it for me so I can go play with my new kittens.
Did I mention that my old lady cat is probably dying, which is totally not fair because I just put my other old cat to sleep in July, but the Captain got me two kittens to make me feel better? I didn’t? Oh...well he totally did and they are cute and adorable and fluffy and boom! I just totally distracted you from all that adult shit up there.
I’m a genius at being irresponsible.
p.s. the kitten story is true. I’ll have more on that later….
p.p.s. Do I know how to keep people coming back for more or what? I'm like the Walt Disney of blogging.
Have a Merry, Perimenopause!
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