Hey everybody. I hope your 2021 is off to a great start.

I know it’s been a few weeks since I’ve done a video. But I thought I would share today a little bit about the importance of doing financial planning or at least some sort of planning as opposed to doing nothing.

Unfortunately, unforeseen circumstances happen to us all and this past year through the covid situation. We’ve really all felt that in one way or another.

But about four weeks ago I had back surgery now. Luckily it was planned. And I have health insurance and I have a little bit of a savings that due to planning that I’ve done but as I was lying in the hospital bed for four days.

I thought to myself what if I didn’t have this plan what if I didn’t have a safety net what if I hadn’t taken the time to do some planning?

Four days in the hospital with a bill over $200,000. Not only that but I had my own family deductible and my own individual deductible and copays that I had to pay based on my health insurance plan and those costs alone were more than several thousand dollars.

So, lying there thinking to myself. One of the best pieces of advice I can provide to anyone not an insurance agent. Not an advisor anyone.

Do a little bit of planning for the unforeseen circumstances. I think that we all think we can bounce back faster we can get to work quicker or the dreaded that won’t happen to me and yet it’s happened to me. And personally, I’ll share that although my surgery went well.

I did have an infection that cost me another few days out of work another few days. I couldn’t travel another few more expenses at the doctor and luckily. I do have health insurance and I do have a safety net but the importance of spending time with someone going over your finances for those unforeseen circumstances. I recommend you meet with a professional at least on an annual basis. And if you’ve never done that before, find yourself someone you trust.

Reach out and start building yourself a plan.

Good luck and have a great continued success this year.