The Importance of a Plan B

If you have not read the little Bio I have on myself, then you missed that I am a licensed pharmacist in NY. That being said, I can say through personal experience that I have witnessed first hand the ravages on families that poor health can create.
I want to share with you a story that I just experienced first hand today. In doing so, I feel this will provide everyone out there with a great reason to start pursuing a Plan B for their financial future.

Early this morning, I received some prescriptions for a patient at a major NYC hospice. The patient is clearly dying and is on a great deal of what we call palliative medicine. These are medications to keep you comfortable. This patient only had their new Medicare Part D coverage instituted by President Bush and a secondary card to cover copays. Once I had finished processing the medications, even with supplemental insurance, the copays came close to $500. I had the unpleasant task of calling the patient's wife to ask how she was to pay for the medications. Here is the crushing part. She tells me that she must have his medications. However, she has no money left. She and her husband are on fixed income through social security. She herself has advanced Multiple sclerosis and already has heavy bills of her own. She tells me that all she can do is continue to charge on her card until she cant any longer. Her last statement to me was "soon enough, we will all be on Medicaid." She also said "things like this are easier to handle when you are earning a living and have a job."

This story is tragic already. What makes this situation all the more difficult to handle is the lack of money. Its hard enough coping with the loss of a loved one. Not having the money or resources to provide for them the way you want to makes it the harder to handle.

Now we should all look at this and learn. We cannot afford to rely on our J.O.B to be our safety net. We clearly can see Social Security is not a help at all. Although 401k have their place, they may not be the all out vehicle we need to be comfortable and secure in the retirement years. The point is that if there are alternatives to the 9-5 that can increase our income consistently, residually and passively, why are we not doing it? Why do we continue to stay in the rat race?

Considering your own business, whatever it might be should be of paramount consideration for those that feel they have what it takes to make it happen. I believe you can accomplish anything you put your mind to. Look at me. I studies science, not business. Yet that is where I am going. That is what I am learning. I have taken my desire to help others and put it to a different health....Financial health. As I continue on my journey and grow and gain the wealth that is possible, I will be helping many. When that happens.....I will sleep real well at night!!!