I'm A Big Kid Now...

My title is not referring to the fact that i now have moved on from diapers and am happily wearing pull-ups. haha. now i have that jingle in my head "I'm a big kid now!". how cute! wow kids rock.

so yeah im feeling old guys...the good old days when i had no responsibilites or commitments are a thing of the past. it is weird to think that you only really get to spend the first fourth of your life being COMPLETELY carefree. there might be thoughts in the back of your head concerning your future and you're next job but at the end of the day, you know your parents probably have your back and there is a nice room sitting at home waiting for you if you need anything. let me explain "first fourth". so if you eat the kinda crap i do...oh you know what i am talking about! if you get erbs and gerbs once a week, or if you and your friends get that midnight craving for a pizza and then purchase some yummy dominos, or if you eat six double stuff oreos even though the serving size is two, or if you eat chipotle and buffalo wild wings religiously....you probably won't have the greatest of health when you hit your 50's. and if you fake bake or are in the sun 24/7 when summer hits...your skin will probably be nast in your 60's or 70's. if you drink coffee, sports drinks, or pop instead of water...your teeth will probably fall out in your 70's. if you don't exercise because you "don't have time" (yeah whatever, we all have time...you need to MAKE time, not FIND time) and you decide to play rockband or facebook instead of playing some frisbee or going for a peaceful jog...you could possibly have a heart attack in your 40's or 50's, or get heart disease, or get diabetes, or get some type of cancer. if you smoke.....well if you smoke you're just asking for it. you know what you could get from ingesting that crap. if you text constantly or if you are on the phone a lot or watch TV a lot...you have killed trillions of brain cells and will possibly get brain cancer, alzheimers disease, ADD, ADHD, or have vision problems...and that could all happen any time. SOOOOO, me saying all of this is to get to the point that our generation will probably only make it to our 70's if we are lucky. but me being the oh so very positive, optimistic person that i am (yeah right...haha) im going to assume that we'll all hopefully make it to 80. therefore....for most of my readers....we are 20....we have lived 1/4 of our life. interesting huh? the first fourth of our life was spent being the most mindless, life-loving, adventure-seeking, mistake-making, dependent, fun-focused, money-careless buncha people. not to mention the first ten years of our life were spent even more carefree than what i just listed off. heck you were still in the sandbox and mom still drove you to swimming lessons at the YMCA and watching doug and recess were the most exciting moments of the week. oh my do i miss those days! not a worry in the world as a little tike. i played all day, mom made dinner at 5pm and dad read me a story before bed at night.

what happened to those days?

when did i start making my own meals and since when did my night routine turn into listening to my ipod instead of snuggling with my dad and falling asleep to his stories?

and the saddest thing of all is that we never get those AMAZING twenty years back. there will be nothing like my childhood ever again. nothing can compare to camping with my family every summer. nothing can compare to my mom's homemade spaghetti. for the next 60 years or so, life will be full of the normal adult fears and concerns and schedules and huge changes. don't get me wrong...i am soooo excited to be a big kid now and find a career and get my own place and take trips with no mommy and daddy...ahhh SUPER STOKED! but life is super complicated with aging. for example...i had a "check-in" with my assistant manager to talk about goals and work ethic or w/e and we got into a hour conversation about unsecure loans and fixed loans, and home equity loans, and credit cards and morgages!!! and low rates and high rates and CD's and blablabla! it was all so very interesting and i can really see my passion in real estate coming through but like this is life now. seven years from now, my husband (this timing has no significance, just a hope =) haha) will be sitting down after eating take out or something (i dont cook...but ill try and learn for you my darling...wherever you are) and we'll be having a conversation about putting our money into a money market account or deciding if we want to refiance our house, or talking about getting a new car with either a credit card or a loan. are you kidding??? and on top of that...talking about having kids and when, and where they are going to school and what home church we'll attend. oh and who is going to pay the bills? balance the check book and prepares a budget? saving for retirement...keeping a good credit score.

hey so the list goes on. im going to stop here though.

im most definitely not complaining. this is life. and you can look at this overwhelming chunk of responsibilites and say "crap" or you can look at it and say "sweeeeet...ive got this"

i know my view is not straight on with everyone else's and that is because i work at a bank. i see finances every day. i see how much a struggle money is for most of my customers. half the time they come in just to talk instead of looking at their near negative accounts. my worries are a little higher when it comes to the money topic for my future because i see how hard it is on couples that come here trying to get loans for a house or a car and they get declined because of a low credit score. they fight right infront of the teller line! awkward!!! im so thankful for my job here because i feel as though i have a HUGE advantage to getting everything set up now so that i can live a little easier 5 or 10 years down the road. most kids my age have a savings account and checking account...thats it. no one informs them that they should get a 401k plan started so they can invest for retirement. no one informs them of CD's or money market accounts that can make money off their money. no one informs them that they SHOULD have a credit card right NOW and should be making payments on something so they can build a credit score. it can take up to ten years to get a 760+ credit score. parents say no to credit cards not realizing they are holding their kids back from starting a future (many...MANY kids are dumb though and screw their credit score when maxing a credit card) anyways, enough of my bank mumbo jumbo. i know none of you care lol im just obnoxious and passionate and share too much!

even though a lot of this sounds like crap. what keeps me together is that first of all, i know God is bigger than any money issue or house foreclosure or negative bank account. He'll be there EVERY step of the way. secondly, i know that i will have a partner in all of this. my future beloved hubby =) i THRIVE off of deep talk, and im so excited to sit down and talk politics and finances with my honey. i am excited to drown out a movie we'll be watching with our conversation about future baby names. i am excited to go grocery shopping together and use coupons and buy the generic junk to save money. i am excited to have joint bank accounts. i am excited to buy our first house together and make our first meal in the kitchen and throw a frisbee in the backyard. i am excited to pick out a car together and anticpate its break down. i am excited to pray together every night and enjoy each day's blessings TOGETHER. i am excited to pick out lame furniture from target because we'll be too cheap to get the real stuff. i am excited to read scripture together and learn to love one another more because of our foundation built off of God. im excited to be a team for our heavenly Father, and work together to glorify His kingdom. me and my man are going to do big things...i can just feel it. =) we will sacrifice anything to follow after God! i can't wait to love this man! wow...what a life it will be. sounds quite exciting if you ask me.

work is almost over and this was a weird blog with not a lot of significance but this was all in my mind and i wanted to talk about it sooo thats what a blog is for right?

song of the day-"the stand" by hillsong united

Peace