 So many times I have people come in because a spouse died unexpectedly, and they're scrambling to make sure that they're on a solid financial footing. When planning in advance could have stopped them from having to navigate grief and finances at the same time, folks, I'm telling you, losing a spouse is the most stressful thing that you can go through. And the last thing you need to do when you lose a spouse and you're going through all that grief is trying to figure out your finances.