Ugh.  I can’t believe how stupid I was in my 20’s.  Yet another reason why having older-than-normal parents kicked me in the behind.  Both of my parents were in their sixties by the time I was married at 23, and both parents decided it was unnecessary any longer to maintain their life insurance.  I never thought twice about it.

Well, now I am!  Those policies would have paid off tremendously if only they’d been maintained (they weren’t term life insurance, I don’t believe).  I understand that they were retiring and figuring out how to live on a fixed income, but why didn’t I have enough foresight to just make the payments myself?  They would have been dirt cheap, though I admit in my 20’s I didn’t exactly have any extra money.  When I think now, in my 40’s and paying two college tuitions and daycare, how I could have used the money I would have gotten when they died!  Especially now that my own personal annuities are tanking, and they boys’ college money in their 529’s is worth so little.  I sure wish they at least had had the foresight that I did not back then.  My financial straits would be much less dire.

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