 Are my kids okay? Can they still go to college? And here's somebody that's in their mid 40s, they're doing pretty decent for themselves, and they haven't really thought about estate planning yet, yet all these questions come up, and people just overlook that part of the financial planning process. And when it comes to your legacy, and what you want to leave behind, it's never too early to start planning for these things, and making sure that you have your ducks in a row. So if you haven't had that conversation,