I remember when my grandmother died. She was one in a million, baby, and it ripped my guts out. But she was always someone who looked out for everyone around her. She always read her Bible, and when it was her time to meet The Man Upstairs face-to-face, she already had the presence of mind to put everything in order for my grandpaps, so he wouldn't have to go through any more heartache than he did.

You need to do the same for your family. You need to mind your Ps and Qs, have all your accounts up-to-date and have a last will and testament in place so everyone knows who gets what, and where, and how much. I've heard some yahoos in the past say "If I get a will, I might die." Well, Dave Ramsey said it best ... "You're going to die, so do it with a will."

One last thing: don't leave a bunch of debt after you're in the dirt. Pay off what you owe and save, so you can leave something to your kids, jack.