My father is a Holocaust survivor but interestingly enough, he survived the war on the run from Nazis for the entirety of his childhood; not in a concentration camp.

Growing up “on the run” without regular access to clothes, food, and basic human needs created a pressing need for him to have children that have a stable environment and certainty for the future.  He practiced what he preached.  My parents were always fiscally conservative, investing conservatively, yet treated all materialism as a precious gift and never took anything for granted.

Now in their 80’s they are living a very comfortable life and look towards assisting their children, grandchildren (13) and great-grandchildren (12) in learning those same skills, not just transferring wealth.    My parents are lucky! 

But desiring a stable trajectory and certainty for the future is vastly different from taking the next logical step to secure it.  I learned this last year when my husband was found without a pulse drowned in the ocean.

There was a brief period of time that his lungs wouldn’t breathe for him. There was a question if he would be able to walk, feed himself, or talk… and of course, there was the traumatic brain injury that followed for over a year.

I couldn’t pay any of his bills, collect money from any of his clients, pay our house bills without calling companies, get access to his online insurance information, the HIPPAA release he signed, or even access to any of his accounts which held our honeymoon pictures, our baby’s first weeks and precious online treasures.  We didn’t have a digital asset plan. We didn’t have life insurance, long term or short term disability insurance. You always think it won’t happen to you. 

I realized that I wanted to practice what my father taught me.  I wanted to take the next logical step to secure my future.  I wanted to help others do that as well.

There are two ways to be fooled. One is to believe what isn’t true; the other is to refuse to believe what is true. 

Søren Kierkegaard