Why insurance helps you to adult better [Here’s how]

Posted 17 June, 2018 by Surely
in Opinion

I was having a lovely dinner with a friend the other day when our conversation somehow led to the topic of household chores. I was complaining about the endless supply of dirty laundry at home as he raised his eyebrow and this question.



You heard of washing machines, don’t you?


“It isn’t just about the washing. It is the hanging of the wet clothes, removing them once they are dry, folding and ironing them.
At 11 pm after a long hard day at work. And the cycle repeats itself after a day.”

In the end, I won the argument. He started to appreciate his Dad better for doing his laundry.
Oh yes, he was telling me how easy it is to do laundry without experiencing it himself!


The uneven path of adulthood


When we talk about being adulthood, we are not referring to an arbitrary number or National Service. Turning 21 does not change your life in any way. National Service may be seen as a rite of passage for Singaporeans but it cannot be one simply because females do become adults too!


These cute things do grow up to be adult too, yeah..


Adulthood that we refer to is to leave your parent’s house and start living on your own or with your own family. In Singapore, this process is usually signalled by a purchase or rental of a flat.

I used to think that adulting is easy – what is so difficult about buying an HDB?

From my own experience, it is not that straightforward. I had to view several units every weekend for a good four to five months before my partner and I could agree on a unit that we both like. The price negotiation is another tough cookie. The housing agent applied several pressure tactics along the way to try to make us increase our offer.

Then there are problems with the renovation contractors, the movers and even the delivery of furniture. Murphy’s Law applies at almost every junction. The TV guy forgot to bring the wireless dongle; the bed installation dude came on the day that my lift was broken.

Sounds like a horror movie?
Not really.

At the end of the day, you feel accomplished. You finally managed to get a flat. Your spouse appreciates your effort when she sees a wonderful product in the end. Even though the place may not be the most luxurious, it is a place that you can call home.


The real difficulties of adulting


But that is not really the most difficult part of adulthood. When the rewards are tangible, you don’t mind it too much as you can see the rewards. There is some excitement to keep you going. On the other hand, you just don’t get that kind of joy from cleaning the dishes, do you? You are not going to go WOW over a rack of sparkling plates or a heap of clean clothes.


Look at how happy she is, waiting for her clothes to be done.


Yet these household chores are necessary. If you don’t do it, your spouse has to do it. And when both don’t do them, you will end up wearing pyjamas to work or eating out of plastic plates. However, it is unlikely you will enjoy them because there is no excitement or adulation involved.

These tasks are not hard on their own. They are difficult because they don’t seem rewarding in any manner. You have to keep grinding and grinding, Day in day out. Yet you know you have to do them so that the house doesn’t stink.

Unpleasant adulthood tasks are not just restricted to just mundane household chores.

You have to stop #YOLOing and start saving
You have to be patient with your kids.
You have to be around when things get rough, instead of running away like you used to do.

To be an adult, it takes more than just getting a home. Proper adulting means taking care of yourself and your family in every aspect. You do not just have to be physically able, mentally strong but also financially sound to be a proper adult.

Adulthood. Not as easy as you thought, huh?


How Insurance can help you to adult


Imagine this.
You have done everything right and everything is fine and dandy.
Then out of the sudden, you are severely sick.

Can you afford the medical bills? Can your family do without your income for a prolonged period of time? Do you still afford the mortgage?
If the answer to any of these questions is no, you better start doing something about it.

You have to start doing this really boring thing called financial planning.  I know that sitting down with some stranger and talking about money may be a chore to some but it has to be done. You need to hear about the financial potholes that you do not see on your own and get them fixed.



You rather watch rain dry than to sit down with a Financial Advisor.


It turns out that insurance is the best tool to help you to maintain status quo when an accident strikes.  We understand that buying a policy is one of the most joyless events that you encounter. You are essentially betting that you may be ill, injured or dead so that there is a payout.

To be a proper adult though, you have to undertake some of these boring stuffs. Taking personal charge of your finances is as important as educating your children as both pave a brighter future for them.

Need some help with that?
Learn about insurance.
Compare prices and benefits.
Discuss it with good and knowledge people.

We wish we know some website that can do all these things.


Finally adult!


Adulthood is not all fun and game.
It is not easy at all especially for a guy like me who has been enjoyed the comfort of my parents’ home all these while.
However, you know it is all worth when you know you have taken good care of your family.

At the same time, it doesn’t hurt to make adulthood a little easier.
A dishwater, a nanny or a piece of paper that secure your financial future help to ease your adulthood journey.
All these in exchange for a secured future.

So have fun doing all these joyless yet important chores.
Just because it is the most adult thing to do.

www.ClearlySurely.com aims to eradicate the knowledge gap between consumers and Life Insurance. Our Vision is that one day, every Man, Woman, and Child will be properly insured.

And on this Father’s day, you may want to thank your Dad for being a proper adult.
Or for doing your dirty laundry!

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