Adulting 101: Protection Beyond Your Phone Case
It’s not a ‘sexy’ topic, but thinking through these essentials will give you a peace of mind others will envy.
Three foundational steps will protect your power, your voice, and your legacy—on your terms.
Let’s be honest—many of us have spent more time debating a $30 phone case than we have thinking through what would happen if we were in the hospital, or (gulp) no longer here. Life is unpredictable. But your protection plan doesn’t have to be.
If your vibe is, “strong, independent woman who doesn’t want to leave a mess behind,” then this one’s for you. These three grown-up essentials aren’t just responsible—they’re powerful. And once you’ve got them set, you’ll wonder why you waited.
Let’s break it down:
1. Your Trust or Will: The Ultimate “I’ve Got This” Document
If you don’t decide what happens to your assets when you’re gone, the state will. And spoiler alert: the state doesn’t know (or care) who deserves your vintage jewelry, who should take care of your pet, or which sibling you trust to handle things responsibly.
A will outlines who gets what and names someone (an executor) to carry out your wishes. A trust can do all that and help avoid probate court, speed up the process, and provide more privacy. Trusts can also help if you own real estate, have children, or want to leave money to loved ones with clear instructions attached.
Why it matters: Without a valid will or trust, your family might face delays, court costs, and family drama (we all know Aunt Debbie has opinions). Having these documents isn’t about being morbid—it’s about leaving love, not chaos.
Real talk: Even if you don’t think you have “enough” to justify estate planning, you probably do. And the peace of mind? Priceless.
2. Named Powers of Attorney: Your Voice When You Can’t Speak
Let’s say something unexpected happens—car accident, medical emergency, sudden illness—and you’re temporarily unable to make decisions. Who steps in?
If you don’t have powers of attorney (POAs) in place, it’s a legal gray zone. Your loved ones might have to petition the court to help. And if you’ve ever had to wait for a court order in a time-sensitive situation, you know... it's not great.
A financial POA lets someone you trust handle bills, bank accounts, or sign important documents on your behalf.
A healthcare POA empowers someone to make medical decisions if you’re unable to.
Why it matters: You’re handpicking the people who speak for you when you can’t—people who understand your values and respect your wishes. That’s agency. That’s power. And it protects your independence, even if life throws a curveball.
Heads-up: These are living documents, which means they only apply while you’re alive but incapacitated. They’re a must for anyone over 18, not just older adults.
3. Insurance Policies: Your Financial Safety Net
You’ve worked hard to build your life—your home, your income, your future goals. The right insurance policies protect all of it. But insurance isn’t a one-and-done situation. It should grow with you.
Here’s what deserves a regular review:
Life Insurance: Not just for married folks or parents. It can cover final expenses, provide financial support to aging parents or a partner, or fund a legacy gift. If you’re young and healthy, premiums are usually low—and they lock in at that rate.
Disability Insurance: If you depend on your income, you need to protect it. This covers you if you’re temporarily or permanently unable to work.
Homeowners/Renters Insurance: Make sure your coverage matches your lifestyle and current belongings. (Your 2014 couch may not need insuring, but that Peloton or diamond earrings? Different story.)
Umbrella Coverage: A little extra liability protection can go a long way if you’re ever sued or involved in a major accident.
Why it matters: Life changes—jobs, moves, relationships, net worth. Your coverage should change too. Otherwise, you might be paying too much... or not be covered enough when it really counts.
Quick win: Double-check your beneficiary designations. You’d be shocked how many exes are still listed because someone forgot to update their forms. Don’t let your money go to someone who ghosted you.
Bottom line?
You don’t need to have it all figured out overnight. But these three steps? They’re foundational. They protect your power, your voice, and your legacy—on your terms.