Considering what Starbuck's gets for those lattes, I think they can well afford to help out a bit with health insurance.
Bsmart
I have a kid almost exactly a year younger than you. I think this is the time of life when you just know that things are gonna change, friends might be lost, if only temporarily, etc. It is okay to *not* follow the herd.
Beach Runner
Nice to know there is someone else out there the same age who is not stuck in a 70's time warp (music-wise)!
edited to add: Don't mean to diss Starbuck's, it's not as if I never go there.
But holy cow I can't imagine spending 3 or 4 bucks on coffee there every single day.