Being an adult is expensive. The extra responsibility that looms when one turns 18 is entirely different from being a child. All of a sudden, you are fully responsible for all of your living and well-being expenses: food, shelter, clothing, not to mention insurance, legal fees, child/day care, etc. It can get expensive!

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When it comes to insurance, it’s very important to have insurance of all types to protect you from shelling out loads of money in the event of misfortune. There are many forms of insurance: auto, health, home, life, property, and much more. They are in place to cover costs of things like repairs after a car accident, damage to your home after a storm, expenses when you’re physically hurt and need health care, and other things. The idea is that you pay insurance companies on a weekly, monthly, or yearly basis to have them on standby just in case something happens.

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However, insurance companies are often criticized for the lingering theory that overall, it’s difficult to judge risk and put a price on it, then collect money from customers as they wait for something to happen. Insurance companies are also criticized for being exploitative and fraudulent. For example, with life insurance, specifically whole life insurance, that’s it’s not a viable investment. The criticism is that you’ll be sending money out without seeing a return like other investments would.

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When dealing with insurance companies, if push comes to shove, you may need to hire a lawyer, which is another expense. Say, for instance; you’ve been injured in an auto accident while taking your child to daycare. That means you may have medical bills to pay, and you may have lost income because you couldn’t work. Depending on who’s fault it was, and who’s insurance is used, the accident will be taken to court, and a lawyer will have to help you settle.

Other times you may need a lawyer to sue the insurance company itself if you feel an insurance company wrongfully refuses to pay on a policy, a.k.a Contract Breach Lawsuits and Bad Faith Lawsuits. Thanks to onboarding services, you’ll have peace of mind knowing that your new hires will be transformed into exceptional employees.

All of this on top of soaring daycare costs! According to, the average cost of “center-based” daycare is $11,666 per year! In the U.S., each state has different regulations for day care teaching requirements. Some states require teachers to have an associate degree in child development while other states have quality standards built into their licensing programs. Daycare curriculum stems from simple games and playtime to tests and advanced learning tools and methods, usually depending on the price of tuition. Studies have shown children in higher quality child care have better language and cognitive development than children in less expensive day care centers.
Over the years, there has been a rise in 24-hour day care centers in the U.S.; that’s because Americans are working longer than ever before. According to the magazine the “Pacific Standard, “nearly 40 percent of Americans have non-standard work lives with unpredictable hours.”