conversation: User (EmLFL): "Dear Reddit,\n\nI come to you all in personal finance looking for advice. I'm in a very difficult situation and have no idea how to proceed financially. I gave birth to (2) beautiful twins March 13th, and a week ago Sunday I lost my husband in a horrific car accident. He was driving at night and fell asleep (he was commuting 2.5hr each way for a business deal he had in works for his company but wanted to see us every day) and ran into a guard rail or through it, as I've been told, but died upon impact and was pronounced dead at the scene and unable to be revived.\n\nMy husband was the bread winner in the family (35F, and 41M). He just started a new job almost 3 months ago and does not receive any benefits from his company.\n\nHis ex wife is the beneficiary on some financial accounts he has (he was in the process of changing this with the twins being born, not knowing that I wouldn't automatically receive it if something would happen but did not get it done)\n\nFinancial situation right now; I'm on MAT but do not receive enough income to support everything. Here is the breakdown of the expenses:\n\nMortgage: $972\nCar Payments: $428.xx + $615.xx (the $600 payment is DH vehicle which payment will be gone within the next month or so after insurance looks after everything)\nFood: $550-$600\nBaby Expenses: $1,000-$1,200\nUtilities: $600\nCar Insurance: $391.xx for both\n\nOf course there's a few things outside of this, but this is the base.  DH has no life insurance etc and as I mentioned before some of his accounts has his ex wife as the beneficiary.  This month I am short $1,700 from covering all base costs - at the end of the month, I can take the month to move in with my sister and her husband until I get things sorted and list the house to downsize. Any ideas what I can do to help find that $1,700 through husbands accounts etc? I have no idea where to begin. My parents have both passed away, my sister and her husband had a baby not long ago and are financially tight and my husbands family is distant and grieving so I don't want to trouble them. \n\nThank you in advance for any help.\n\nUPDATE! THANK YOU SO MUCH EVERYONE FOR THE HELP! HERE IS EVERY TOPIC TO UPDATE:\n\nIN LAWS: They refuse to help but it is strictly in the will for them not to receive any custody whatsoever in the event they challenge it, as it is against his wishes. A lawyer said this could be used in court if needed.\n\nCAR PAYMENTS: Insurance company paid DH loan in full. The dealership I bought my Tahoe is letting me trade it in and receive roughly $4,200 back in equity AND they're going to donate a brand new Equinox to myself and the girls! (I worked for the auto group that owns the dealership, so this was their way of helping when I wanted to trade in for used) it will take a couple of weeks to process everything but I should have a check for $4,200 by the end of May!\n\nFINANCIAL SHORTAGE: My bank found an insurance claim they could process, which will take a week or so or more for $1,000. My sisters in laws offered $350, and now I'm just $350 short!\n\nBENEFICIARY: The ex wife agreed to transfer everything into my name but she wants a small cut (sucks, isn't fair... but at least she's willing) she just wants the lawyer fees covered to transfer everything and $1,500 as "goodwill" as she called it.\n\nThis is all I have for an update now, THANK YOU TO ALL THE USERS WHO HAVE HELPED!"
  Self: "I'm so sorry for your loss.  I brought our newborn twins home on March 26th (5 years ago), and my wife stayed in the hospital for 15 days close to death.  I nearly lost my mind.  It was so hard.  They wouldn't sleep at the same time, they wouldn't eat at the same time.  I was on the brink of a severe total mental breakdown by the 9th day with almost no sleep.  I simply couldn't imagine dealing with losing my wife at the same time.  I'm so, so very sorry.  \n\nThe amazing people in this subreddit will provide sound financial advice.  I wanted to offer some twin advice.  I don't know anything else about your situation, so forgive me for any assumptions I'm making.  Another twin parent told me once, "If anyone offers to help, take it."  We live across the country from our closest family, so our friends stepped up and offered to help, and while I felt like I was burdening them, I literally could not have done it without them.  I'll be thinking about you, hoping for the best."
  UrbanIditaroder (UrbanIditaroder): "Along these lines, there may be a Parents of Multiples group in your area that could lend support. In our area, the group has a number of volunteers that help new twin parents with meal delivery, baby item sharing/loaning, and support groups. I would imagine if you have anything similar in your area that these families would more than step up to help out, and would be very understanding of your situation. "
  Self: "OMG I completely forgot about all the people that randomly stopped by and dropped off dinner from the Multiples group!  Yes, this!!"
  