The Important Stuff...

Warning: the subject you are about to read is not one of a fun nature, but it is one of importance.

I had a conversation with a dear friend this morning about another loss in her life; more of an acquaintance than a close friend, but nonetheless…a loss. As I drove, we chatted away about many things one of which was the lack of care people take in things that should be of highest priority…a Will, Guardianship, and Life Insurance. I am not here to preach to you about this, but friends I was guilty of preparing these very items myself. I don’t have a whole lot of anything worth fighting over; they are more of everyday “comforts”, job necessities, and mementos. But, why in the world would I leave the decision of “what to do with mom’s stuff” to my kids. Let’s face it…they will be devastated and perhaps not find “your stuff” as important as you do. I’m also not down playing “your stuff” and you probably have assets more valuable than mine. Isn’t it more considerate to leave a note or a Will letting your loved ones know what is “ok” for them to do with things? And, if you have multiple kids divide “your stuff” for them to lessen the chance of disputes. Talk to them about it before you go so they will also understand the importance of preparing as they get older.

Again, I was guilty of not having these documents in place…for YEARS! But, when you start going through loss after loss or perhaps just one substantial and life-altering loss or a life-scare you will realize you should not put this off. You are not too young and you are not too old. Your family will be thanking you even after you are gone and they will know just how much you truly love them.

Guardianship…do you have something in place for your minor child(ren) should something happen to both parents? If not, do it. Not only do it, but if they are old enough to help make the decision; let them. It is not only important to send your children to someone you trust to care for them, but also someone that they have a relationship with and someone they feel comfortable with and trust. They will be devastated and need a feeling of comfort. You only have today; tomorrow isn’t promised and there is nothing written that a child will not lose both parents at one time. YES, I said the unthinkable but accidents happen every single day and you have the choice to take care of your children…even after you are gone.

Life Insurance…It’s not that expensive and it will help cover costs for funerals or Life Celebrations. It will also help your family take care of your things and even possibly help in the care of your young ones left behind. Seek out advice, ask friends for referrals, talk to your insurance agent. The only thing I will suggest is to get a Life Insurance policy NOT an accidental death policy; they come with more restrictions than people realize.

A Will…One of the least expensive items that give the most peace of mind and can include guardianship. You can download forms, write it yourself, and sign in the presence of two witnesses. Can you say…Peace of Mind? I can’t even tell you!

One thing I didn’t mention above, but I felt important was an Advanced Care Directive. When I set mine up, BJ was alive and I talked with both him and Bryan about it. I let them know exactly what my wishes are, that it was their dual responsibility to carry out my wishes…one could not do it without the other. Unfortunately…that burden now lies solely on Bryan. But again, I have already made the decisions so he does not have to. He just has to be my advocate and know that I have already given him permission to carry out my wishes.

If you’ve made it all the way through this post…thank you and have a blessed week!