I understand that as well. I don't ever think I'll be "fully prepared" and it's more of a mental thing than a providing thing. Also "providing" doesn't necessarily mean necessities or possessions. To me it means showing up and being there when it counts. For six years I said when we bought a house we'd talk about it and now that's happened and I have nothing else to fall back on other than being honest at this point and saying I'm not ready. It's about more than cut and dry issues, it has a lot to do with me and my parents, my fears, and the expectations I have of myself in my own mind.
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Those deeper issues that you mentioned are very important. If those issues have not "been addressed" (whatever that means) then it is hard to move forward. Keep pressing on! Keep showing up!