The 5 Myths of “I Don’t Need That Now”
(And Why Waiting is a Risk to Your Autonomy)

By Ailene Gerhardt, MA, BCPA, CSA®, Founder, Beacon Patient Solutions LLC& Navigating Solo Network
Host, The Navigating Solo™ Podcast

We have all said it, or at least thought it, about something on our long-term to-do list: “I don’t need to worry about that right now.” It’s a natural human response, especially when it comes to the complex, deeply personal tasks of planning for the future. When life is moving along smoothly, your health is stable, and your day-to-day routine feels manageable, diving into paperwork about medical emergencies, housing transitions, or financial contingencies feels entirely unnecessary. It feels like borrowing trouble.

But there is a subtle, dangerous trap hidden inside the phrase “I don’t need that now.” The trap is the underlying assumption that you will have a clear, predictable warning sign before your circumstances change. We tell ourselves that we will start planning when we get a diagnosis, when we get a little older, or when life slows down.

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