Savings, Investments, Emergency Funds, Retirement Plans

more or less, this is the phone conversation..

Dad: Honey, I generally don't like to involve in your finances. But do you have an emergency fund?


Me: Yeah dad!.. I've got savings! Dont worry.. everything is good!  (uh.. actually not so great, I'm not saving as much as I should, I blew a bomb of money on an overseas trip, and on lot on high heels and clothes... But you need not know that dad!!..)

Dad: I did not ask if you have savings. I asked if you have an emergency fund.

Me: Yeah, yeah!, My savings cover my emergency fund too! (Let's not talk about this much.. talking will just blow my cover!)

Dad: hmm.. I think I failed at giving the proper financial education when you were kid. But, why do I get the feeling I already told you all about Savings and Emergency funds?

Me: Dad! of course I know the difference between bloody Savings and Emergency Funds! (Goddamn it!.. Man!, you are killing me!..) Savings is for those new electronics, another planned vacation, and a car. Emergency fund is for the time I fall sick, I get fired, or unexpected stuff! God! of course I know it.

Dad: Oh! So,the failure was in the implementation part.. Okay? I should've been more strict with you.

Me: Where is my mom! I want to talk to mom! Do you drive her crazy like this too .. ( God! I sound like a sissy!.. Did I just ask for my mom?!.. A hard mental kick in my butt!)

Dad: Another thing! I totally understand one of these days your going to be one of the greatest entreprenuers, young turk or whatever. But, your 25 now, It's time to have a retirement plan. Ofcourse If you were going to marry, I would have insisted on a Insurance plan too! But, that's not for you honey! I know!

Me: Okay Bye Dad! This conversation is bloody over!!


Breathe slow and deep.. bang the door.. no! Lock it!.. go for a walk..
Whatever!... What is in fridge? No more Chocolate!...
I hate my life!.. Watch TV? I hate the TV!!!!
Ok, get out of the house!... now!
Goddamn it! I bloody know you are right dude! But try living in this crazy stupid city!

I pick up the book -The art of war for women.. I need to find my chi..  Savings! Emergency Funds! Retirement plans! Mutual Funds! Insurance! Insurance?.. really?! and I want to invest too!... God, please kill me now!