As widows we have learned quite painfully, that life is full of unexpected potholes. That’s why we need to plan for the unforeseen – even more so, now that we are on our own. So your first task is to get an estate will done that has an incapacity clause. You have to make sure that everything is in place for how you want your assets to be handled when you die. The incapacity clause allows the person you appoint as your successor trustee to handle your financial matters if you become unable to do so. Now the question is – What if you can’t work full time or you lose your job? You need to step back and think about how you can reduce your expenses. Maybe you could rent out part of your home or think about downsizing. Don’t forget to check into your Social Security Survivors benefits, the amount and when you can qualify for them. Don’t go on the free advice of family and friends. This is the time to get some real financial advice, so start with your bank and see if they can get you started. I’ve learned over the years that when we dig deep and face our financial reality, we find the courage and knowledge needed to move us forward. I wish all the widows out there, the abundance of strength needed to deal with your grief and the financial challenges you face.