> ## Content Index
> Fetch the complete content index at: https://www.overworkedmoms.com/llms.txt
> Use this file to discover other available public pages before exploring further.

# Why I Choose to Live in the Moment When It Comes to Money
- URL: https://www.overworkedmoms.com/why-i-choose-to-live-in-the-moment-when-it-comes-to-money/
- Published: 2026-09-03T09:52:21.000Z
- Updated: 2026-09-03T09:52:21.000Z
- Author: OverworkedMom

Let's talk money. It's always a fun subject with very divided opinions, because it has such a powerful emotive connector. How you manage your money makes you or breaks you. And your family. And your children. 

I don't mind discussing money. I find there are other things more private for me than money. A lot of families struggle with balancing saving for retirement, their parents, and their kids' college or university.

Honestly its not realistic to be saving up for 3 different future things (don't forget family savings too!) so I decided a while ago I'm not saving for any of it.

For me, when it comes to university, the kid will have to pay for it themselves, whether through loans or bursaries. The kid and the government will get a direct, proven return on investment from higher education that's why in my opinion it should be self funded or government funded if a donor is not available. Many people manage to work, save up, and then pay for college themselves. I don't see anything wrong with that. They end up appreciating the whole thing more too and make better use of the opportunity.

In my opinion, anything after the kid turns 18 is their own problem to fund because they're old enough to get a job. If you want the adult lifestyle and responsibilities you have to take the whole package.

It's the same attitude I have with my parents. If they are able to work but choose not to, then that's their problem, not mine. If they choose to spend money on non essential things and not have enough money at the end of the month, that is their responsible-adult decision. Regarding elderly parents, I believe the state has an obligation to take care of all its citizens, covering basic living costs. It's not just about old people or the homeless; it's about every citizen. If the country has signed up to the UNHCR human rights, all its citizens should have enough money to live on.

So, I don't see the need to fund my parents' retirement because the state will take care of it. I feel the same way about my own retirement. I deliberately don't contribute to any pension scheme and don't save for it. 

Some might freak out reading this, but it's a personal decision, each to their own. You can scaremonger all you want. By not saving for things like a college fund, my retirement, or my parents' retirement, I'm able to spend more on the present and enjoy a nicer lifestyle now.

You never know what's going to happen in the future, right? Insurance companies like to scaremonger you with warnings like, 'What if you end up destitute?' Here's my thought: what if you save up and never get to use that money for yourself because you had a short life? It's a shame to live your whole life for a future that never comes.