Why I’m Here

Hi, I’m Emily. I’m 28 years old, and if I’m being honest, thinking about things like life insurance or long-term financial planning wasn’t exactly at the top of my to-do list. Like so many people my age, I figured I had plenty of time to worry about “adulting” later.

I was focused on building my career, traveling, and living in the moment. I thought insurance was something you started thinking about in your 40s or 50s, not in your late 20s. But life has a way of reminding you that some things shouldn’t be left to chance.

I want to share my story because I know I’m not the only one who felt invincible—until I wasn’t. If you’ve been putting off financial planning, I hope my experience will inspire you to take that first step.

The Moment That Changed Everything

For me, the wake-up call came out of nowhere. It was a normal Saturday morning, and I was on my way to meet friends for brunch. Out of the blue, a car sped through a red light and slammed into mine.

Thankfully, I walked away with only minor injuries, but the accident shook me to my core. What if I hadn’t been so lucky? Who would help cover the bills? Who would handle everything I was leaving behind?

That was the moment I realized how unprepared I was. I didn’t have a plan for what would happen if I couldn’t work or if something worse happened. I didn’t have any savings set aside for emergencies, let alone a safety net for my loved ones.

After the dust settled, I started thinking seriously about the future. I didn’t want to wait for another close call to finally take action.

Why Insurance Matters

Before the accident, I saw insurance as just another expense, something you buy because someone tells you to. But after doing some research, I realized it’s so much more than that.

• It’s about peace of mind. Knowing that if something unexpected happens, the people you care about are protected.
• It’s about responsibility. Life insurance isn’t just for you; it’s for the people you love. It’s a way to ensure they’re not left with financial burdens they can’t handle.
• It’s about starting early. The younger you are, the more affordable insurance is. Waiting only makes it more expensive and harder to get.

I started small, setting up a life insurance policy that fit my budget. I also began thinking about ways to build financial security, like starting an emergency fund and exploring options for future investments.

Lessons Learned

If there’s one thing I’ve learned from this experience, it’s that planning for the future isn’t something you should put off. Life is unpredictable, and no one is guaranteed tomorrow.

Here’s what I’d tell anyone who thinks they have time to spare:

• Start now. The earlier you start planning, the easier and more affordable it is.
• Think about your loved ones. Even if you don’t have kids yet, someone—whether it’s your parents, siblings, or a partner—will be affected if something happens to you.
• Don’t wait for a wake-up call. Learn from others’ experiences and take action before life forces your hand.

Take the First Step with Moss Financial Services

If my story resonates with you, I encourage you to take action today. Don’t wait for a moment of crisis to realize how important financial planning is. At Moss Financial Services, we specialize in helping people of all ages protect what matters most.

Whether you’re just starting your financial journey or looking for guidance on life insurance, annuities, or other tools, we’re here to help. Our team will work with you to create a plan that fits your life and your budget—no matter where you’re starting from.

Don’t wait for a wake-up call. Reach out to Moss Financial Services today and take the first step toward securing your future and protecting the ones you love.

Let’s make sure you’re ready for whatever life throws your way.