If you are a frequent visitor to this site, odds are that it is because student loans make keeping up with your finances difficult. I’m not going to tell you how to spend your money and I certainly don’t want to wade into a hot button political topic that has little to do with student loans. However, I do want to share the story of what I consider to be one of the most selfish things I have ever done… and how I used student loans as my excuse.
Like many people, when I first graduated college, I did not have a job waiting for me. Being unemployed, I cut every corner I could to save money. One of the decisions I made was to live without health insurance.
At the time I didn’t really give it much thought, I figured I was healthy and that I could get away with it. My money was better spent trying to keep up with my student debt. What I failed to consider, and what made the decision so selfish, was my family. I know I’m very lucky to have parents who would do anything for me, and a huge family that cares about my well being. Had I gotten sick, there is no doubt in my mind that they would have done whatever it takes to nurse me back to health. I also know that any protest I would have put up would have been quickly disregarded by them.
If I would have developed a serious medical condition during my time without insurance, it could have had a severe impact on my parents and entire family. I’m ashamed to say that I never considered this possible outcome.
I share all this because I hope that it helps a few people make smarter decisions than what I did. When you take risks with your personal finances and with your health, think about the people who it could affect.
While I have no opinion on the wisdom of Obamacare or how to fix the health care industry, I do have strong opinions when it comes to treating people right. If you are lucky enough to have people in your life who care about you, keep them in mind when it comes to your healthcare decisions. Don’t allow for the possibility that your illness could become their bills. Don’t be selfish.
The open enrollment period for the federal healthcare program ends March 31. If you are uninsured and interested in getting heath insurance, healthcare.gov is a good place to start your search.