<p>OK, I think I will post my $.02 on the subject.</p>
<p>LindaCarmichael,</p>
<p>I think you've had a tough time in life with the loss of your husband and I think that you may not realize how it colors your relationship with your daughter.</p>
<p>I think a parent's first reaction after the initial shock of losing a spouse is the protection of the family unit and especially the children. A natural and noble instinct.</p>
<p>Linda, you've exhibited that from your first postings about trying to manage college on a very small income and a fixed sum of money (that I would assume you see as your life savings). </p>
<p>You've also done an excellent job, from what it sounds like of protecting your daughter from the insecurities resulting from the loss of her father. She sounds like a reasonably well-adjusted young lady who is living an average high school life - friends, a few activities. She takes some rigourous classes and seems to be passing them. You've haven't mentioned any behavioral or medical issues, so I will assume she is fine on those counts as well.</p>
<p>90+ percent of American families would be absolutely thrilled to have your daughter as their own. I know I would.</p>
<p>She is fine. Unfortunately, I think you may still be dealing with issues from the loss of your husband and it has negatively colored your view of your daughter.</p>
<p>With your limited income, I'm sure you worry about your daughter's earning potential. You don't want her to be stuck in the same vulnerable place you feel yourself to be in.</p>
<p>And you want her to do everthing in her power to get a career that will keep her from ever being vulnerable. Unfortunately, on the college admissions scorecard, she doesn't seem to be maxing out her potential. She dropped varsity tennis. She doesn't see the essay possibilities in her own experience of losing a father that you see (I'm guessing that would be a better essay in your book than the Lion King). You seem frustrated at her lack of urgency in doing things to better her college resume.</p>
<p>Yet I bet she gets very little feedback in this matter, if I am guessing correctly. If she did, I would bet that she would display more insecure behavior. You seem to indicate that she is unaware of these thoughts you have. You know that they would only hurt her to hear them. You are protecting her from your insecurity about finances, but you aren't dealing with those feelings yourself.</p>
<p>I understand your feelings about financial insecurity. While I haven't had the loss that you've had, I've been laid off 2x in the past 8 years and may well get laid off from a job that I though was a permanent career in the next year. I worry about what careers my children will select and wonder if their naivete will lead them down the same type of path I followed.</p>
<p>I said earlier that I would love to have your daughter as mine. In many ways she is like mine (average as you would put it). She is not burdened by the insecurities of the real world. While she has an EC that may (or may not) result in a preferrable college admission, other than that she will probably measure up similarly to your daughter. She does not know what she wants to do in life, but doesn't let that weigh her down. That also leaves her with out a strong drive to excel in any particular subject, probably like your own daughter.</p>
<p>Yes, I'd love to see her choose a direction, put her head down and generate that heroic effort to achieve something notable. Not gonna happen anytime soon.</p>
<p>I've come to accept that. And if I do lose my job, it may cost her that final year at a prep school and that college hockey dream. She knows that too, yet it hasn't changed her approach to life. Young kids are kind of strange that way. The ability to live in the moment is a blessing to the young in these circumstances. While us old folks fret about what might happen, they are more concerned with the immediate - a much more productive state, believe it or not.</p>
<p>What I am getting to here Linda (in a long winded way), is that you need to worry about fixing your feelings about your situation and stop projecting your feelings onto what your daughter should be feeling about her situation. She's going to be OK. It is you I am worried about.</p>
<p>While I don't know the specifics about your financial situation, I think that if you have a good financial advisor (whom you trust) who has a solid, detailed, conservative plan for you, it will go a long way in helping you deal with your own insecurity and allow you to give your daughter the freedom to try and possibly fail.</p>
<p>OK, I could be all wrong here, but I do mean no ill will towards you Linda. I only hope for the best for you, as I see so many similarities that I can identify with.</p>