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I have never known so many people personally that are unemployed. I mean people that have always been gainfully employed making really good money now without work. I'm actually surprised at the number of people living on unemployment, on their savings, food stamps, no insurance, and struggling. Not because those things happen, but to personally know so many that have been affected. But what surprises me even more is that many were caught off guard and unprepared. Really smart, educated, and intelligent individuals without a plan for the "what if's." Note to self, "what if's" will come at some point in your life. Yes, you may have had a midas touch all your life, but the "midas touch" doesn't last forever.  

I always say, 30 years is a lifetime to pay on a mortgage. Anything and I do mean anything can happen in 30 years. So when creating your lifestyle consider some of the "what if's" that can happen to change life as you know it. There are too many to count. Unemployment, divorce, death of a spouse, disability, medical issues, children, problem children, family issues, addictions, and I could go on and on.

Again, things happen. It's called life and living. However, as you create your life and financial future, consider some of the "what if's" that happen within and outside your control.  

Are you going through rough financial times because you never planned or considered the "what if's?"

Sharman Lawson a columnist on Fabulously40, and a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit website


Member Comments

    • 0 votes vote up vote up

      L J wrote Jul 1, 2009
    • my what if- came when i least expected it at a very young age!
      NO! you never know and when you least expect it that is when it happens to the best of people.. you can never be totally prepared for dying,no job,not enough money,not enough food,or be without a home to live in.. and i have been in all those situations in my life!!!!

      it is not fair or fun!

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    • 0 votes vote up vote up

      Vikki Hall wrote Jul 2, 2009
    • That is a good thought to bring up....

      My what if came when my mom was given her prognosis and we helped her get her affairs in order. It just brought up all kinds of situations to consider.

      I miss my mom very much but am grateful that I had a chance to work out my plan with her before she died. Now I am only in debt to the utilities and my house for 15 yrs. But even with that we have a plan to pay it off sooner.

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    • 0 votes vote up vote up

      Tamra wrote Jul 2, 2009
    • Love the article Sharman!  I think you are right.  Some of the suffering now is a result of a lack of planning.  Our society has not been known for saving money.  Maybe we will come out on the other side of these circumstances wiser and healthier, having learned how to better manage our resources.

      Sure, we should live in the moment, but a little planning can make the next one better.  

      Thanks for your remarks!


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    • 0 votes vote up vote up

      Lazylola wrote Jul 6, 2009
    • I’ve been saving for my what if, I’m living my what if right now, and the savings are going rather quick, a lot faster than it took to get them up there where they were. I can only hope that I can manage until I am able to return to the workforce. Living life!

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