Adulthood comes with a lot of responsibilities. From managing our finances to taking care of our physical and mental health, there are a lot of things we need to juggle as adults. While it can be overwhelming at times, there are some key things that we should all have in place to help make adulthood a little bit easier. Here are ten things every adult should have in place.
1. A Budget
One of the most important things adults should have in place is a budget. Knowing how much money you have coming in and where it all goes is crucial for financial stability. There are a ton of great budgeting apps and tools out there to help you get started.
2. An Emergency Fund
Another key financial thing adults should have is an emergency fund. This is a savings account that you can tap into in case of unexpected expenses, like a car repair or medical bill. Most experts recommend having 3-6 months of living expenses saved up in your emergency fund.
3. A Retirement Plan
Although it may seem like a long way off, it’s never too early to start thinking about retirement. If your employer offers a 401k plan, make sure to take advantage of it. Even if they don’t offer a retirement plan, there are still options available to you, like IRAs.
4. Health Insurance
Having health insurance is another important thing adults should have in place; if you’re lucky enough to have employer-sponsored health insurance, great! If not, there are still options available, like private health insurance or Medicaid.
5. A Will
Although it’s not something we like to think about, adults should also have a will in place. This document outlines your wishes for what should happen to your belongings and your dependent children after you pass away.
6. A Living Will
In addition to a traditional will, adults should also have a living will in place. This document outlines your wishes for medical care if you’re ever unable to communicate them yourself.
7. Power of Attorney
Another important legal document which adults should have a power of attorney. This document gives someone you trust the legal authority to make decisions on your behalf if you’re ever unable to do so yourself.
8. A Clean House
Having a clean and organized house is important for both our physical and mental health. Set aside some time each week to tidy up and declutter your living space. You’ll be surprised at how much better you feel when your home is clean!
9. Healthy Relationships
Surrounding yourself with positive and healthy relationships is crucial for a happy and fulfilling life. Whether it’s family, friends, or a significant other, make sure the people in your life make you feel good about yourself. Divorce Services are available should you need them.
Last but not least, one of the most important things adults should have in place is a self-care routine. This looks different for everyone but should include things that make you feel good, both physically and mentally. Examples of self-care activities include exercise, meditation, and journaling.
Having these ten things in place will help make adulthood a little bit easier. While there are other things we could add to this list, these are some of the most important basics that every adult should have covered.