Week 38- Are we there yet?

I am a planner. It's my nature. From the moment I open my eyes in the morning, I start planning my steps, even on my days off. Don't get me wrong I plan for stuff like fun and naps, but it's typically after the work has been done. And I don't get bent competely out of shape when things don't go exactly according to my plan because I plan for them not to. Naturally, when I found out I was pregnant, I started planning. What kind of birth did I want? Who will be there? Who will take care of Mumbles? How will we pay for it? And my personal favorite, when do we decorate the nursery?! Knowing that the final month of pregnancy can be chaotic, emotional and physically very draining, I really wanted to have everything ready/done by the time September rolled around. I wanted to spend as much time with Mumbles and Micha as I could and I wanted to relax and focus on taking care of myself. The house is clean, the nursery is done (mostly), the freezer is stocked and Mumbles will be taken care of by my new, but very dear friend. The financial arrangements were made and fullfilled months ago. So far, so good right? Then, less than 4 weeks to my EDD, my boss sends out an email stating that as of October 1st, our insurance policy will change and our new deductible will be $1,000 more than what we were already paying so if we've met our deductible and we still have any needs, we should take care of them before Sept 30th. Wonderful. An extra $1,000 when I only have 2 weeks of paid leave (I'll be on leave for between 5 and 9 weeks, depending on when Charlie decides to arrive), Christmas is right around the corner and even when I do return to work, it will only be part-time until after the New Year. Even more upsetting is everyone's purposed solution to my dilemma- "Just go get induced." Seriously?! WTF?! Even the stupid woman from the agency that is supposed to be trying to get us the best rates for insurance suggested that maybe my doctor would induce me. No, for the record, he won't because it's unethical to induce labor if it isn't medically neccessary. Not to mention that trying to make a baby come before he and Mom are ready is essentially like trying to shove a person through a small window...that is closed. It doesn't work. It puts undue stress on baby and Mom and will more than likely end up in c-section. So basically instead of relaxing and taking care of myself, I find myself obsessing about when the baby will come and hoping it's before midnight on Sept 30th.