do you have all that you need financially? By knowing what I'm
about to tell you, what many rich people know but don't always
share with others.
This will also help you to recognize which guys will literally
make you poor or keep you poor versus those that will care for
you in the right ways financially to help you always have the
money you need if you marry and stay at home to raise your
kids full-time. You'll need to know what it takes to have a
husband that earns enough to pay for the needs of your family
through an honorable career.
So what “important things” might you see if he can be stumped
on (or be educated about if you really like him)? Financial
matters that are guaranteed to affect you if you give him what
he’s pushing for (sex).
If you’re looking to prove he’s not worth your time, then you’ll
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want to “stump” him (cause him to look dumb or thoughtless
and self-absorbed about the subject of sex) by asking him
questions that you know the answers to that he most likely does
not.
But if you like him and he proves to not know enough then you
can teach him what he needs to know so that if he decides to
push you anyway into sex before either of you is truly ready to
handle the possible consequences (which consequences are
not always possible to control) then he either is a) incredibly
selfish (which begs the question of why in the world would you
have sex with him in the first place?) or b) incredibly
considerate of your needs and ambitious to succeed in fulfilling
your needs if he’s planning on making sure both of you have
enough money during your married years to provide sufficiently
for your family.
So here are some things to consider financially whenever
a guy pressures you to have sex.
See if you can tell how much I care about you as you read this. I
write this because it's important to me that you have all that you
need financially when a guy wants to be with you romantically.
Most families aren’t prepared well enough for any major
emergencies. This means that most families in America don’t
have a lot in savings. And when people don’t have enough
saved then that means that any major financial catastrophe that
happens can shove that family into potentially permanent
homelessness.
Why don’t most families have enough in savings? Because
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most people were never taught enough about money or about
how much things cost in life. And when people don’t learn these
things then they don’t know how to budget and plan their lives
financially so that they can be secure financially.
And when people are not secure financially then they are either
dependent upon charity or debt or worse – the federal and state
government.
(Why is dependence upon government worse? Because only
government can force you to do things by showing up with guns
and handcuffs when they claim you are breaking one of their
laws and because it has been proven over and over that people
are nearly guaranteed to remain poor when they use taxpayer
dollars for food, housing, medical care etc because government
programs specifically use disincentives that provide negative
consequences for those that begin to slightly prosper to the
point that the only way to rise above needing taxpayer dollars is
to earn a much larger amount of income than most people do.
Otherwise, you’ll remain poor precisely because you need any
kind of government assistance financially. This has been proven
for years but few people talk about it partly because people
perpetuate the myth that government can provide “free” stuff
but the fact is, nothing is free since someone somewhere must
pay for it and absolutely no one is so rich that they can afford to
pay for everything for entire towns or cities of Americans.) When people are dependent upon charity or debt or government
they are proving to themselves and others that they are not
earning enough to provide for their own needs or for that of their
family. So how can people avoid this and be financially secure
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so that when they get pregnant and need to provide for
themselves and their children that they have enough money to
never become homeless?
The answer is easy to understand but not as easy to actually do.
The answer is that you must know in advance how much things
might cost so that you know how much money needs to be set
aside or saved to have ready to use for an emergency. Once you
know how much emergencies might cost then you factor in
taxes, insurance and living expenses and once you add it all up
then you’ll have a reasonably good idea for how much you
should strive to earn to pay for it all.
So what kinds of emergencies most often happen to people?
Which emergencies are the most expensive? Is it possible to get
through life without having any financial emergencies?
The only time it’s possible to get through life without
experiencing any sudden and unexpected financial needs is for
everything to go perfectly in life where you have absolutely no
problems whatsoever. Clearly this is not possible. No one’s life
is perfect.
If there’s anything you can count on regarding financial
emergencies in life, just remember this: it’s not a matter of IF an
emergency might happen, it’s a matter of when. (And
emergencies happen much more often than people talk about.)
Most people are too embarrassed to have other people find out
that they don’t have enough money because most people
assume that everyone else is likely better prepared than they are
financially when actually the fact is that most people are just as
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inadequately prepared as their neighbor.
As you consider the most common financial emergencies and
the most expensive ones, here is a list to consider budgeting
for:
Personal Emergency Preparedness:
Major Medical: Since medical bankruptcy is the most common
form of bankruptcy in the U.S., emergency medical needs are
clearly the most expensive need for any individual or family to
plan for. How much might someone need to have as cash to
spend in the event of a sudden, devastating diagnosis to cover
out-of-pocket expenses (anything that insurance won’t cover)?
You might plan on needing anywhere from $25,000 minimum to
over $200,000.
Job Loss: This would be money needed to cover living
expenses and other needs while being unemployed and
searching for new employment. The amount of time that one
might remain unemployed despite diligent job searching efforts
can be anywhere from 6 months to over a year. A reasonable
amount to plan to save to cover these needs would be a
minimum of ten months of expenses.
Property Damage: Major damage to your home could come by
termites or a tornado tearing out your garage door or heavy
snow breaking your roof or an old pipe busting in your home
and causing flood damage along with several other possibilities
for major property damage. Minor property damage might be like
a small hole in the wall or a clogged toilet or broken window.
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These would be problems that you either don’t have insurance
coverage for or that your insurance company would deny
(meaning to not help you pay for) for any number of reasons.
One of the most common reasons an insurance company denies
a claim is because they simply don’t have enough money to
fully satisfy everyone’s claims because too many people are
asking for their money at the same time – such as when a
hundred homes in one town have tornado damage from the
same storm and the insurance company knows that the storm is
moving to do more damage to more homes in a nearby town so
the claims are about to double which is often too expensive for
the insurance company.
You might plan on needing anywhere from $5,000 minimum to
over $45,000 saved in this category of emergency savings.
Car Repairs: Anything that breaks down on your car for any
reason that might not be covered by insurance. Or if you have a
high deductible then that would be part of how you would
estimate how much savings to have set aside. You might plan
on needing anywhere from $500 minimum to over $10,000 saved
in this category of emergency savings.
Unexpected Legal: There are too many reasons why someone
might sue someone else at any given time here in the United
States. If it were me, I might consider saving a minimum of
$500,000 just for this category of emergency preparedness.
Income Loss in event of breadwinner’s disability or death (or
business income loss or investment income loss): This could be
a huge amount because something like this could easily affect
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things for years if not decades into the future. This could easily
be a savings need of six figures or more.
A Loved One’s Unplanned Needs: This could be a sick child or a
good friend that needs some money or the possibility of caring
for an aging parent that has unexpected needs. I would probably
plan a minimum of about $2,000 just for this category.
To add all of it up so far would be a lot of money. But since I like to play things safe, what I would probably do for my family is to
plan on earning enough to be able to afford to set aside at least
$200,000 for each person in my family. So if I were married with
two kids, I would plan on earning enough to be able to save up
$800,000 as quickly as possible just for the variety of
emergencies that can happen that could affect each of us.
So which is easier to save up that much money as quickly as
possible? By picking a job that pays only $20 dollars an hour?
Or by choosing a career that pays closer to about $100 an hour
or more? The answer is obvious. The more money someone
earns either per hour or per month then the easier it is to save
enough quickly enough for emergencies.
(And don’t believe anyone that tells you that becoming a
stripper or prostitute or porn star will make you a lot of money
because that’s a lie. Unless you’re a man, most strippers, porn
stars and prostitutes are raped and beaten up by pimps to force
the women to give up their money and live completely broke and
dependent and controlled by their pimps. The 90’s movie “Pretty
Woman” is one of the ugliest myths Hollywood and the porn
industry have ever applauded.)
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Emergencies come over and over again nearly every year for
nearly every individual and family. Some emergencies are minor
(somewhat low cost) and others are major (expensive) but
nearly all of them are beyond our control.
But something that is within our control is if we get pregnant,
how soon and how often and if we keep the baby or give it up in
love to a couple that can more easily afford to care for the
baby’s childhood needs.
Costs to care for a child is certainly an easy way to stump most
guys that would pressure a girl for sex before marriage.
Maybe you could have the guy step into his parent’s shoes for a
few minutes to see just how hard it is to provide for a family on a
typical American income.
Here’s a typical month for many Americans.
Day 1: The rent (or mortgage) is due. Your dad (and likely your
mom too) works to pay that bill so you don’t have to become
homeless as a family. It’s at least $800. If it doesn’t get paid then the landlord or bank can call the police and force you to move
out TODAY for failure to pay the debt.
If you can’t afford to pay your rent debt, where in the world can
you move to on such short notice? Some place safe? Likely not.
The cheapest places to live have the highest violent crime rates.
You could go stay in a homeless shelter. Just be prepared for an
eye-opening experience. In most shelters there’s no place to
store your stuff and so you’re most likely to be mugged by
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another homeless person in the middle of the night as you sleep
out in the open in a room full of cots for beds because that’s
how too many homeless people survive is by stealing another
person’s stuff to sell later.
So if you want to keep your stuff just make sure you don’t
actually sleep when you stay at a shelter because you’ll have to
stay awake to try and keep others from stealing your stuff.
Day 3: Utilities and other bills are due. Your parents have to pay
for every time you turn on a light switch, every time they turn on
a light switch, every time the toilet is flushed or the water is left running in the sink unnecessarily.
They pay for garbage service, sewer service, gas and electricity.
For some of your parents this costs another $200 a month – or
potentially $400 or more in the summer when the air conditioner
is needed – depending upon the size of the home or apartment
you live in and the temperature you keep the AC at.
Also both cars need to be filled up with gas. That will cost
another $75 or more.
So let’s see where we’re at so far.
$800 + $400 + $75 = $1,275 needed right away.
Your dad just got his paycheck. This happens twice a month.
But after paying for any charitable donations he may give to
your church as well as paying taxes and any other contributions
he pays through his employer for benefits, such as paying to
invest in his 401(k) for future retirement, he has very little left
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over to pay for rent, the above mentioned bills and gas for the
family cars.
For many dads they are barely able to cover for these basic
financial needs without having to rely on credit cards for help.
But still others have more left over – anywhere from $100 to
$500 or more.
Day 5: The refrigerator is looking too empty. Food is running
low. Mom needs to go to the grocery store. She needs at least
$400 to feed her growing family. Another $100 or more is
potentially needed for various sanitary items and household
cleaning and organizing.
She double checks with the bank to make sure enough money is
available for her. If she overcharges her bank card then she’ll
have to pay some expensive fees – up to $50 or more. Your
family is too poor to be able to afford to pay such expensive
penalties.
Thankfully, enough is in the bank. She goes to buy food and
other supplies but spends only about $300 this trip. In two
weeks she’ll likely spend another $150 for food – NO
Restaurants – and likely another $50 or more for other needed
items.
So how much has been spent so far of dad’s paycheck:
$1,275 + $300 = $1,575.
There’s likely nothing left over from his paycheck.
Day 10: Because mom has a job also she earns money too. This
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is needed because it’s time for the kids to go back to school and
growing kids need more clothing and new school supplies.
Mom and Dad know it will cost at least $600 to handle the back
to school needs.
She takes the kids shopping. Let’s see how much has been
spent up until now.
$1,575 spent so far this month + $600 for today’s needs = $2,175
Day 14: Mom is running out of diapers for the baby. The baby
usually uses about five diapers a day so it’s time to go buy more
diapers and wipes. That will cost about $65 to buy. She decides
to make the best use of the gas and time and get other needed
groceries and supplies from the store.
$2,175 + $265 = $2,440 spent so far in just two weeks.
Day 22: Two kids in this family are involved in extracurricular
school activities.
Costs for the two kids to participate in these activities can cost
anywhere from $40 up to $200 or more depending upon what
activities each child chooses.
The family sticks to lower cost activities so the total cost is only $50.
But this also happens to be the day when the insurance bills are
due for the two family cars. The total bill is $150.
So another $200 ($150 + $50) is needed to pay for the kids’
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activities and the car insurance.
$2,440 + $200 = $2,640 spent.
Day 25: A medical bill arrives in the mail. This is a bill from when your dad got into a car accident and needed to recover in the
hospital.
Although the whole family is glad Dad survived, the driver of the
other car was at fault and likely didn’t have insurance (or was
drunk) because the driver drove away quickly leaving the scene
most likely because the driver at fault was either drunk or
texting and didn’t want to get caught. Police still have not found
the driver who is guilty of this hit and run.
The hospital and minor surgery costs were expensive. The total
out-of-pocket costs your parents are responsible to pay and
have negotiated to pay the hospital is $22,000 with payments of
$200 per month.
As life goes, this also happens to be the day when both of your
parent’s college loans come due. That’s another $300 a month.
Plus more gas is needed for both cars. That’s at least $75.
So just for today, the 25th day of the month, $575 is needed
($200 + $300 + $75 = $575)
So that means that $2,640 + $575 = $3,215 has been spent in
less than 30 days.
And now the phone and internet bill is due. That’s another $200
due.
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$3,215 + $200 = $3,415
Both of your parents are praying feverishly day and night with
gratitude for the fact that no one in your family needs to go to
the doctor or dentist today and that there are no car repairs
needed at this time because there just isn’t enough money for it.
Do you have $3,415 to help out your parents every month if they
needed your help? No? Then how are you going to pay for a
safe home for your spouse and new baby if you are responsible
for an unplanned teen pregnancy?
$39,000 is a rough estimate for the net amount needed per year
to pay for common bills such as in the example mentioned