If you have kids, one of the toughest things you have to think about is...what happens to them if you and your spouse meet an untimely end. It's something you never want to contemplate happening, but in an ironic sort of way, your responsibility as a parent is to do exactly that.
Once a year, I go back and review all of the documents and plans for the possibility that this will happen. There's a lot to consider...guardians, financial, etc. I found myself in front of the computer last night tearing up at the thought.
Then, I took a deep breath, went upstairs and did a check-in, and gave them an extra big hug this morning.
For more, see my previous comments on Planning for the end
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