Turning 24, Death and Finding What Matters

In one week, I’m turning 24. I LOVE birthdays (my own and everyone else’s) so there will be a plethora of celebrating: camping with a group of my favorites, a weekend away with Alex, a visit to South Carolina to see my mom and a delicious dinner out. See? I told you like celebrating. *throws a gratuitous amount of confetti*

In some ways, 24 seems like an impossibly young age, but in other ways, it feels ridiculously old. When I was nine years old, I was enthralled by a sixteen-year-old girl on the bus. She reminded me of Britney Spears (from the early 2000’s, duh) and seemed SO COOL. She seemed to encapsulate everything I hoped to become: cool, adult and pretty.

Now, when I think about that sixteen girl, I laugh. Sixteen year olds seem like kids (and I’m sure some of you are laughing because I seem like a kid). But that’s what makes age so tricky. It’s hard to track or quantify because your relationship to it is constantly changing.

But there’s one thing that remains constant: this will eventually end.

Our journeys around the sun will eventually cease and the world will continue without us. It’s a fact that I’ve ALWAYS thought about. In fact, it’s often how I weigh big decisions or purchases. I ask myself, “If someone I love died tomorrow, would I regret doing this/taking the trip/this stupid fight/my actions?” In many ways, death is constantly on my mind because I know it is inevitable. But when I typically worry about death, I worry about being left behind. I worry about losing the people I love and in response to that fear, I try to ensure that I have no regrets.

But what about me? What if I leave them behind? *gulp*

If I had to explain my life motto, it would be simple: people above all else. My mom, sisters, stepdad, partner and best friends are more important to me than anything else. Period. End of discussion. When it comes to the people I love, I will do anything for them. No task is too much and no amount of money is too high and I know that my list of “absolutes” (my forever people) will continue to grow as life goes on, especially once we start having kids (Ekkk!) And I don’t want to ever leave them in a bad financial situation, especially my partner Alex.

That’s why life insurance has been on my to-do list for years. (I’m not joking. I almost signed up for a policy when I was 18 because I worried about my funeral expenses. Totally normal 18-year old behavior, right??)

As the years have gone by, I’ve gotten distracted by life and as a result, life insurance fell off my radar (especially when I was poor AF.)

But now I’m not, and there’s really no excuse. But even if you are poor AF, there are affordable options, so don’t despair.

I have no idea what tomorrow holds. I hope it holds my favorite people, good food and enjoyable work, but nothing is guaranteed, so I’ve promised myself that 24 is my year for life insurance.

If you’re ready to take the plunge with me and invest in the people you love, here’s everything you need to know.

1. Term vs. Whole…Huh?

Term life insurance is best. You buy a policy that can last from 1-30 years (most people buy a 20-year policy) and then you pay a monthly, quarterly, semi-annual or annual premium. If you die during the policy’s “term,” then your beneficiaries are paid. It’s simple, does its job and most importantly, it’s significantly cheaper than whole life insurance (which has a bunch of unnecessary features).

2. Save Money!

I never buy anything without looking at reviews and comparing options. (No, seriously. I research everything I buy) And when I buy term life insurance this year, I’m planning on researching the crap out of it.

The tool I’m going to use? SelectQuote Life because they’ve been doing this for over 30 years and make it ridiculously easy to research the best deal.

After you fill out a few simple questions (that take less than 5 minutes) they prepare a personalized plan that includes the best quotes and they call you within 24 hours to discuss.



My quotes included a few different options, but the average cost was around $20/month. A pretty small price to pay to take care of the people I love.

3. Younger = Better

We live in a society that is obsessed with youth, and most of the time I call BS. After all, what’s better than life advice from someone who has actually lived for a few decades? But when it comes to term life insurance, it’s better to get a quote from SelectQuote Life sooner than later. If you wait until you’re 50 years or older, the prices will be dramatically higher. But even beyond that, if you get a 20-year term at 25 (or 24 like me) then your term will be up when you’re about 45 years old. This means that you can reevaluate whether or not you want to renew AND you’re not yet 50 years old. (Aka: the prices will still be relatively inexpensive).

But here’s the best part: if I continue to save aggressively and invest, I might not even need term life insurance anymore.

At that point, I might be “self-insured.” (My cash, investments and other assets would be able to take care of my family in case something happened to me.) That’s why it’s really important to get term life insurance while you’re still in the wealth building stage. Because that’s when you and your “forever people” could need it most.

Do you have life insurance? Am I crazy for buying it at 24 years old?

This article was sponsored by SelectQuote but all views, opinions and ridiculous stories are my own.

9 thoughts on “Turning 24, Death and Finding What Matters

  1. Jamie Roberts says:

    Love this post! I’ve read your blog for a while but this is my first comment. I’m 25 and I have a long-term boyfriend so I totally know how you feel! Buying life insurance is definitely not something that’s talked about at our age, especially when we don’t have too many assets yet, so it’s really cool to hear someone my age discussing it. I definitely didn’t know all of this, so thank you for explaining!


  2. Our Next Life says:

    First of all, don’t listen to anyone who tells you that you’re “so young.” We’re in our late 30s and we’ve learned a lot of stuff, but we basically just feel like kids who get to live in a house and who have more financial wiggle room. I firmly believe that no one really grows up, people just learn to fake it. Or they forget to stay young, but that’s another issue. And same here — I bought life insurance at 22!


  3. NZ Muse says:

    Not crazy! I didn’t see the need myself until I bought a house, so I got life insurance at 27.

    You are so young and have so much ahead of you! And you are so onto it.

    Every year I feel ridiculously old around my birthday. Have done basically ever since finishing uni! I so know what you mean.


  4. Penny @ She Picks Up Pennies says:

    I carried it through my work always. I didn’t worry about it being “enough” when it was just me. Our current struggle is trying to figure out if/when to add more now that there are two of us and a mortgage. Definitely not crazy to think about at all!


  5. Trevor McClintock says:

    I don’t think you’re alone in having death weigh heavily on your mind. I can remember the first time I realised one day I would simply cease to exist, and it’s been a tough thought to shake ever since. But, like you say, we need to use this knowledge to ensure happiness for us and our loved ones.


  6. eric van haaften says:

    Great to start thinking of life insurance at such a young age. I bouught my first policy at about the same age. Most people in their 20’s really don’t plan that far into the future. You will save money and lock in coverage while you are in good health too.


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