I was going to write something completely different. Then I sat down to do my taxes and I didn’t have what I needed, and I was looking at all the medical bills from my daughter’s trip to the ER and the doctor back in November, including the financial assistance form the hospital sent to her. The end result is I’m pissed.
I try to be in a good mood. I try to focus on the positives. Then real life storms in and I’m knocked on my ass.
Taxes? Well, I thought I had all of my documentation. I was going to do my own taxes this year instead of sending them off to my friend. I had what I thought was a tax document from my money guy who now has my IRA. I took money out to pay to break Rock Star’s housing contract back in June. I knew he had taken taxes out for that. I thought that was what the form was. But no! It was actually a tax form from Jerry Lee’s old employer where the 401k had been. I’ve got a tax document that shows me making 3 times my salary because I withdrew the money from the 401k. I don’t have a document showing where I put the money into an IRA. So I have to go look for that. That’s going to be fun. If I can’t find it I’ll have to call my money guy and have him send me another one so that the IRS doesn’t think I’ve made over $100k this year.
The other document that I thought was my W-2 from work was actually just documentation showing I had health care coverage. Thank God! I don’t have a W-2; I’m pretty sure I threw that away when the other form came in the mail and I no longer have a working printer.
I still have to submit my tax forms for Rock Star’s FAFSA. That will take an hour or more. Every year it does. What should be a simple task that takes five minutes max always turns into a clusterfuck that leaves me fuming for an hour or more. This year I’m prepared for it to take an hour. I’m also fully prepared to put in my password and have them tell me it’s incorrect and for me to try to get into the site for, well, an hour. All the while cussing up a storm because what should be so fucking simple takes forever.
Next on my agenda is to pay these medical bills that keep coming in. $5 here. $25 here. $200 there. Oh, and let’s not forget the $4200 ER bill.
If I get COVID-19 and have to go to the hospital I’m telling you right now I’m returning back home and dying. I don’t have the fucking money to pay yet another $5500 in deductibles. Hell, if Rock Star gets it she’s going to have to either pull through on her own or fucking die. I don’t have the goddamn money.
They sent the financial aid form to the house. It looked exactly like another bill. It’s to her but I’m fairly certain I’m considered the responsible party. They want my tax forms from last year (or this year but we’ve already established I haven’t done them yet and I don’t have a printer anyway). They want W-2s. They want income of everyone in the house. Long story short, I don’t believe they’re going to give us any kind of financial help. I’m going to be stuck with this entire bill.
Apparently when your yearly earnings, including spousal and child support, fall right around $50,000 you are rich beyond measure! You can pay a $4200 medical bill- on top of all the other small bills here and there that add up.
I would consider taking her off of my medical insurance but I don’t think that would help. It could help me, I suppose. Every time she gets sick she ends up going to the Urgent Care center because she doesn’t have a doctor down there. I don’t think that goes towards my deductible. I just have to pay out of pocket. If I took her off my insurance I’d probably get $65 more per paycheck. $130 a month x 12 months. That’s $1560 I could put aside for all of her doctor visits. Since I still claim her as my dependent I don’t think she can get Medicaid but even without it- an additional $1560 in my pocket for the year? Unless she continues to go to the ER on a regular basis, of course.
Every time I get just a little further ahead my kid needs something. I’ve been faithfully putting the child support away so that I don’t have to quickly budget to live on almost $1000 less when Picasso graduates. I guess I could take the entire amount I’ve built up in savings and send that to the hospital. Start all over at zero. I was thinking maybe I could pay off some credit card debt or pay more towards my car so that it’s paid off before October. Nope. I’ve got a $4200 ER bill to pay. That $1200 stimulus check I was going to use to either cushion my savings or again, pay off some debts? Yeah, that’s all going towards her fucking ER bill. I haven’t even paid this off and she’s already whining, “I need to get my wisdom teeth out!” She probably does. She’s been complaining about it for about two years now. I don’t have the fucking money for it.
On top of all of this wonderful news she didn’t correctly calculate how much she was going to need for rent. Probably because she insisted her lease ran from August-May. I repeatedly tried to tell her I didn’t think that was correct. But no! She insisted it wasn’t a full year long lease. Well guess what? It is.
I paid her rent in December when she ran out of money. I just paid her rent for April. She’s got no money in her account. It looks like I’m going to be paying her rent in May as well. So that’s another almost $500 I get to come up with. Thank God Jerry Lee is paying because if he doesn’t? Well, Rock Star’s going to need to get her ass up here and work at the hospital.
I feel bad bitching about this. I am the parent. I should be the one taking care of her. She spent 15 years never needing to worry about any of this. Then her dad walks out and life has never been the same. I’m pissed off that I’m in such a shitty financial situation that I actually want my kid to avoid medical care because I can’t afford it. What kind of a decent parent tells their kid to suck it up and not go to the ER when their symptoms aren’t improving? Hell, what kind of a decent parent tells their kid they need to wait yet another year to get their wisdom teeth out because they can’t afford it?
I’m pissed that I have such shitty insurance and that I’m court ordered to maintain it, although not for her. It’s ridiculous. I pay what amounts to over $430 per month and it covers almost nothing. Oh, I can get a flu shot for free every year. I didn’t until last year because I needed the points for the extra money, but I can. Immunizations are free. As I saw with Picasso’s original bill, that would have been over $1000. Then again, I could have paid for that in roughly three months. I can get a Pap smear and a mammogram. Don’t care. I went 3-4 years without getting one. I’m probably getting a deal on high blood pressure medication. And her anxiety medication. But that’s it. I’m pretty sure for what I pay in premiums I could set that money aside and still have more money in my account.
I’m also pissed at myself that I made such horrible decisions- the decision to marry him, the decision to have children with him, the decision to move all over the country with him instead of focusing on a career of my own, the decision to stay at home with my kids. All horrible, horrible choices. He couldn’t have left back when I was younger and still had a chance. Nope, he had to wait until I was almost 50, had been out of the workforce for 15 years, and had almost no chance of ever getting a decent paying job. Thanks, asshole!
I’m mad and frustrated with my daughter because of shitty choices I’ve made and shitty circumstances; it’s not her fault. I’m the one that didn’t teach her to budget. I’m the one that hasn’t put the brakes on her spending. I’m the one who tries to keep doing for her. I’m the one that doesn’t want her life to completely change.
She’s a good kid. She’s a hard working, driven kid. She’s been working since she turned 16. She is generally very responsible. She’s taken out student loans to pay for her college education. I couldn’t even help her with that this year.
The first year I paid the remaining $4000 balance that loans and scholarships didn’t cover, and gave her money for books. Her second year, as I said, I couldn’t help her at all. Her student loans paid her tuition and paid for her books. They paid for her rent all first semester except December. Second semester they’ve paid for her books, her tuition, and apparently 3 months of rent. I was paying $500 a month last year when Jerry Lee was paying what he was ordered to, so this shouldn’t be any different.
I know it’s not what I wanted to spend the money on but I suppose I’ve got it. I may as well pay her entire bill so that the hospital can continue to cover those who get all that free medical care.