Yay my life insurance application has been accepted.

Bah my kid is "special needs" and treating him will delay our goals of financial freedom.

There's motivation to stay single and childfree: it's one thing to say "gosh! teehee! I ran up my credit cards on Kate Spade handbags and Manolo Blahniks! Help a girl out!" and it's another to account for your pennies but pay for speech therapy, evaluations, occupational therapy. I'm sure most couples, when they breed, are expecting a problemfree baby. I thought, until six months ago, my kid was problemfree.

I notice my friends who have special needs children either have high-paying jobs or nice timing with stock options. Now, God just came in, in the guise of a Ducati-riding client, and gave me purpose and a plan for marketing myself and developing solutions for clients. $60/hour is what I'm going to charge when I'm done with this project. Thank God for career goals.

I was gouged for life insurance too. I may just go get a full-time permanent job or sign up with my agency for life insurance benefits.