BY JOHN CATTAU, MANAGING PARTNER OF KIRK CREEK INSURANCE SERVICES, LLC

And I hope when I get old,

I don’t sit around thinking about it, but I probably will…

they’ll pass you by, Glory Days

A sweltering spring day in Hamilton, New York. Traveling with friends to see my first Springsteen performance, our car suffers a radiator leak on a desolate stretch on Route 20. No cell phones.

Back then, the future seemed impossibly far away. Surely Springsteen was singing about somebody else!

But Glory Days is not just nostalgia.  It’s about how quickly life can change while we are busy making plans, building careers and raising families.

With today’s constant uncertainties, the message resonates even more strongly. Financial market volatility?  AI? Jobs? War? One day we feel optimistic, the next day we want to stuff cash under our mattresses.

No one can predict markets or how long life will last, so focus on what you can control.  Make a plan, whatever your situation or how old you are.

For younger families, that may mean protecting loved ones with life insurance and starting to save earlier than feels necessary. For others, it may mean anticipating we might live a lot longer by purchasing annuities to create reliable income.

In the face of disaster (at least a twenty something’s version of it), I had no plan, and was running out of time. Fortunately, luck intervened. A gas station was just down the road. We called my future best man (no kidding), he delivered my car, and we made it on time. Glorious.

John Cattau, Managing Partner of Kirk Creek Insurance Services, LLC is a New York State licensed insurance broker BR-1917908. He can be reached at 929-456-2265.  Visit www.kirkcreekinsurance.com for more information.