.
. >>>
. >>> IN
. >>> IN 2009, CHANNEL REYNOLDS'
LIFE GOT TURNED UPSIDE DOWN
AFTER HER HUSBAND, JOSE TIED.
HE WAS STRUCK BY A VEHICLE WHEN
HE WAS OUT CYCLING.
SHE DECIDED TO SHARE HER
EXPERIENCE WITH OTHERS SO THEY
CAN BE BETTER PREPARED.
YOU GUYS ARE SUCH A BEAUTIFUL
COUPLE.
COUPLE.
COUPLE. LOOK AT THAT PHOTO.
CHANNEL'S BOOK, WHAT MATTERS
MOST.
MOST.
MOST. WALKS US THINK THROUGH THE
PROSES.
PROSES.
PROSES. I'M VERY SORRY FOR YOU HAVING
LOST JOSE.
LOST JOSE. WE NEVER THINK THESE THINGS
WILL HAPPEN TO US.
HE WAS YOUNG, ATHLETIC.
YOU'D HAVE NO REASON TO EXPECT
TO GO THROUGH THIS IN YOUR
LIFE.
LIFE.
LIFE. >>
LIFE. >> RIGHT, AND THAT'S KIND OF
THE THING THAT SURPRISED ME
MOST IS WE DO THINK THAT IT
WILL HAPPEN TO SOMEONE ELSE.
OR WE HOPE IT DOESN'T HAPPEN TO
US.
US.
US. WE
US. WE REALLY HOPE IT HAPPENS TO NO
ONE.
ONE.
ONE. BUT
ONE. BUT ACCIDENTS DO HAPPEN.
AND I WAS SURPRISED AT HOW
SURPRISED I WAS.
MANY OF THE THINGS I HAD DONE
TO GET PREPARED.
WE GOT LIFE INSURANCE.
WE DRAFTED OUR WILLS.
WE SIGNED THEM.
THOSE WERE OVERWHELMINGLY
HELPFUL.
HELPFUL.
HELPFUL. THE FEW THINGS WE FORGOT OR
DIDN'T FINISH OR
PROCRASTINATED, REALLY, I WAS
SO MUCH MORE UNPREPARED AND SO
MUCH MORE VULNERABLE THAN I
REALIZED.
REALIZED.
REALIZED. AND IT FELT LIKE OUT OF ALL THE
THINGS IN OUR LIFE THAT WE
CAN'T CONTROL, THERE ARE SOME
THINGS WE CAN.
SO WHY DON'T WE TRY THAT.
>> RIGHT.
>> RIGHT.
>> RIGHT. ABSOLUTELY.
ABSOLUTELY. I AGREE WITH YOU.
IT SOUNDS LIKE YOU'RE MORE
BUTTONED UP THAN MOST PEOPLE
ARE AT THIS POINT.
THERE ARE LOADS OF PEOPLE THAT
HAVE NO WILL, HAVEN'T THOUGHT
ABOUT ANY OF THAT STUFF.
I LOVE THE TITLE.
WE'RE GETTING OUR SHIZZLE
TOGETHER HERE TO FACE LIFE'S
PROBLEMS.
PROBLEMS.
PROBLEMS. WHEN YOU'RE IN THE MIDST OF
GRIEF, IT'S SUCH AN ENORMOUS
BARRIER.
BARRIER.
BARRIER. >> I FOUND MYSELF COMPLETELY
LEVELED.
LEVELED.
LEVELED. OVERWHELMED.
OVERWHELMED. FOR AN ORGANIZED PROJECT
MANAGER, IT WAS HARD TO OPEN A
PIECE OF MAIL IN ONE WEEK.
SO I REALIZED OUT OF EVERYTHING
THAT SEEMED URGENT.
I WASN'T EXACTLY SURE IF I WAS
SPENDG MY TIME ON THE
IMPORTANT THINGS OR THE THINGS
THAT FELT URGENT.
SO ASKING PEOPLE FOR HELP.
PEOPLE YOU TRUST TO TRY TO TAKE
A COUPLE SPECIFIC THINGS LIKE
HELP ME FIGURE OUT THE
INSURANCE.
INSURANCE. HELP ME FIGURE OUT WHAT PROBATE
COURT IS.
COURT IS.
COURT IS. AND THEN LEARNING A FEW LESSONS
LIKE TAKING CARE OF THINGS THAT
IMPACT YOUR INSURANCE IS
URGENT.
URGENT.
URGENT. TAKING CARE OF, YOU KNOW,
FOLLOWING THROUGH WITH UPDATING
YOUR NET FLIX SUBSCRIPTION,
TOTALLY NOT URGENT.
>> AND YOU HAVE A SMALL CHILD,
RIGHT?
RIGHT?
RIGHT? >>
RIGHT? >> OUR SON WAS FIVE WEEKS AWAY.
FIVE OR SIX WEEKS AWAY FROM
STARTING KINDERGARTEN.
STARTING KINDERGARTEN. SO WE WERE A YOUNG GROWING
FAMILY.
FAMILY.
FAMILY. >> I THINK IF YOU HAVE YOUR TWO
SHOES ON THE MORNING.
AND THERE'S YOUR SON AND YOUR
HUSBAND.
HUSBAND.
HUSBAND. >> YEAH.
>> YEAH.
>> YEAH. >> YOU SAY THERE'S A CHECKLIST.
LIST THREE WORRIES, THREE TO-
DOS AND THREE FUTURE RELIEFS.
>> WHEN I WAS IN THE HOSPITAL,
AND THE WEEKS AND MONTHS AFTER
WORDS, I REALIZED THERE WERE A
NUMBER OF THINGS THAT KEPT
BUBBLING UP TO THE TOP.
THE BASIC THINGS LIKE WILLS AND
FINANCES.
FINANCES.
FINANCES. BUT I DIDN'T REALLY KNOW WHERE
TO START.
TO START.
TO START. I FELT LIKE THERE WERE TOO MANY
THINGS.
THINGS.
THINGS. SO THREE THINGS SOMETIMES IS
ENOUGH.
ENOUGH.
ENOUGH. WHATEVER IS WORRYING ME THE
MOST, I'D LIKE TO KNOCK THAT
OFF THE LIST.
WHATEVER HAS BEEN ON THE LIST
THE LONGEST, IN A PRACTICAL,
TACTICAL WAY, KNOCKING IT OFF.
AND WHAT'S GOING TO HELP YOU
SLEEP BETTER AT NIGHT.
BECAUSE FOR A SINGLE PARENT WHO
IS PRONE TO CATASTROPHIC
THINKING NOW AND THEN, I KNOW
THAT THE MOST IMPORTANT THINGS
ARE TAKEN CARE OF NOW TO THE
BEST OF MY ABILITY AND I
ACTUALLY DO SLEEP PRETTY WELL
AT NIGHT FOING THAT THE BASIC
STUFF IS DONE.
>> THAT'S GOOD TO KNOW.
LET'S TALK ABOUT LEGAL
DOCUMENTS.
DOCUMENTS. BECAUSE IT'S SOMETHING THAT
PEOPLE NEED AND YOU NEED THIS
IF YOU'RE SINGLE.
IF YOU'RE A PARENT, IF YOU'RE
NOT A PARENT.
IT DOESN'T MATTER.
THE DOCUMENTS, THE WILLS.
THE POWER OF ATTORNEY, LET'S
TALK ABOUT THOSE.
>> YEAH, AND YOU'RE RIGHT,
EVERYBODY DOES NEED A WILL.
AND SOME BASIC STUFF TAKEN CARE
OF.
OF.
OF. BECAUSE IF YOU DON'T HAVE ONE.
THE STATE DECIDES FOR YOU.
STATE RULES DIFFER FROM STATE
TO STATE.
TO STATE.
TO STATE. AND THERE ARE SOME SURPRISES IN
THERE.
THERE.
THERE. >>
THERE. >> THERE ARE.
>> IF YOU DON'T HAVE THIS
MARKED OUT ON YOUR OWN.
>> OFTEN PEOPLE DON'T AGREE
WITH THE STATE ON EVERYTHING IN
GENERAL.
GENERAL.
GENERAL. SO THEY MAY NOT ONCE YOU'RE
GONE.
GONE.
GONE. AND
GONE. AND THEY'RE DECIDING WHO GOES
THROUGH YOUR STUFF FOR YOU.
>> TELL US ABOUT A POWER OF
ATTORNEY.
ATTORNEY.
ATTORNEY. >> SOMEBODY WHO MAKES DECISIONS
FOR YOU WHEN YOU'RE NOT
NECESSARILY IN AN END OF LIFE
SCENARIO.
SCENARIO.
SCENARIO. IF YOU'RE SUFFERING THROUGH AN
ILLNESS.
ILLNESS.
ILLNESS. OR IF YOU HAPPEN TO BE OUT OF
THE COUNTRY OR OUT OF
COMMUNICATION.
COMMUNICATION. SO WE NEED PEOPLE WHO WE TAKE
CARE OF.
CARE OF.
CARE OF. OUR BILLS AND FINANCES AND
GUARDIANSHIP OF KIDS.
WHETHER IT'S LONG-TERM OR
TEMPORARY.
TEMPORARY. BEFORE YOU GET TO AN END OF
HIGH SITUATION.
HIGH SITUATION. >> SUPER IMPORTANT.
MONEY, BUDGETING, SAVINGS,
PLANS, AND PASSWORDS AND MONEY
AND ALL THAT KIND OF STUFF,
IT'S NOT UNCOMMON FOR COUPLES
TO DIVIDE THAT LABOR AND FOR
THE OTHER PERSON TO GO I DON'T
KNOW, IT'S HERE SOMEWHERE.
WHO KNOWS.
WHO KNOWS. >> ONE OF THE THINGS THAT WAS
THE MOST ANNIHILATING WAS NOT
KNOWING THE PASSWORD TO GET
INTO MY HUSBAND'S PHONE THE
FIRST HOURS TO CALL HIS FAMILY.
>> I NEVER THOUGHT ABOUT THE
PHONE.
PHONE.
PHONE. >>
PHONE. >> THE PHONE WAS THE FIRST
THING AND THEN IT WAS GETTING
INTO EMAIL AND HAVING ACCESS TO
PHOTOS STORED ON THE CLOUD.
EVERYBODY HAS DOZENS OF EMAILS
OR ONLINE ACCOUNTS, SO WRITING
THEM DOWN, OR CONSOLIDATING THE
MOST IMPORTANT ONES SO YOU'RE
ABLE TO FIND THINGS WHEN YOU
NEED TO SO THEY DON'T GO
MISSING IS REALLY IMPORTANT.
>> THAT'S REALLY IMPORTANT.
I DIDN'T THINK ABOUT IT.
PIN NUMBERS, PAS WORDS, BANKING
INFO, NEW WHO YOUR ADVISOR IS
OR YOUR TAX ATTORNEY, OR
WHOEVER DEZ YOUR TAXES, ALL
THAT STUFF, WRITE IT DOWN AND
KEEP IT WHERE EVERYBODY CAN GET
TO IT.
TO IT.
TO IT. YOU MENTIONED INSURANCE.
THAT'S SO IMPORTANT.
YOU HAVE LIFE INSURANCE, HEALTH
INSURANCE, DISABILITY
INSURANCE, DISABILITY INSURANCE.
INSURANCE. AND IF YOU DON'T KNOW WHERE TO
GO, HOW DO YOU EVEN -- HOW DO
YOU KNOW WHAT YOU HAVE -- GET
THE NEXT STEP GOING TO MAKE
SURE YOUR KID'S INSURED.
AND EVERYBODY WILL BE OKAY.
>> AS HIGH CHANGES YOU NEED
MORE AND LESS OF DIFFERENT
THINGS AS YOU MOVE ON.
GROWING FAMILIES, IF SOMEONE
COUNTS ON YOUR INCOME.
HIGH INSURANCE IS A GREAT WAY
TO MAKE SURE THAT IF SOMETHING
HAPPENS NOT EVERYTHING ELSE
FALLS APART TOO.
>> THAT'S A GOOD THING.
>> AND THEN YOU TALK ABOUT
LEGACY.
LEGACY.
LEGACY. AND I LIKE THIS.
DISCUSSING YOUR PLANS AND
WISHES.
WISHES.
WISHES. YOUR VALUES AND PRIORITIES.
AND SOMETIMES PEOPLE WANT TO
AVOID THESE DISCUSSIONS.
I PERSONALLY LIKE THESE
DISCUSSIONS.
DISCUSSIONS. I WANT TO PRODUCE WHAT HAPPENS.
I HAVE A PLAY LIST FOR MY
SERVICE.
SERVICE.
SERVICE. >> I LOVE THAT.
THAT'S WONDERFUL.
THAT'S WONDERFUL. >> GUNS N ROSES IS ON IT AND ME
METALLICA.
METALLICA. SO GET READY FOR THAT TO
HAPPEN.
HAPPEN.
HAPPEN. >> EVERYDAY IS PRECIOUS.
AND WHEN WE GET TO THESE DAYS
AT HOSPITAL OR HOME OR HOSPICE
OR SPENDING TIME WITH AGING
PARENTS, WE REALLY WANT IT TO
MATTER AND WE WANT TO DO WHAT
THEY WANT AND NOT GUESS WHAT
THEY MIGHT WANT.
AND WE'D LIKE TO BE ABLE TO
HAVE SOME THINGS LEFT BEHIND TO
REMEMBER THEM BY.
VIDEOS OR JUST SOME NICE
MEMORIES AROUND THE DINNER
TABLE.
TABLE.
TABLE. THOSE ARE SOME OF MY FAVORITES.
HIGH IS FINITE.
-- LIFE IS FINITE.
WE NEED TO MAKE PLANS FOR IT.
THANK YOU SO MUCH.
THE BOOK IS GREAT.
WE'RE GETTING FIT WITH A WORK
OUT THAT FOCUSES ON CARDIO,