Pushin’ Up Daisies: Financial Preparedness

By Tracy Lee

As a business owner, I work with budgets daily. Ensuring that a business has adequate operating capital is paramount to sustainability. Prior to retirement, my husband was enlisted in the U.S. Navy. Such employment necessitated strict budgeting if we wanted to provide a decent home and food on the table for our children. As a mother, I taught the principles of budgeting and frugal living to my children so that as they matured and left home, they would not meet with the pitfalls of stifling debt and poverty.
As a funeral director, I genuinely appreciate clients who understand their finances and budget for the expenses of death. Survivors who walk through the door with insurance or savings are infinitely better prepared, not only for the costs of burial but for the loss of income that is inevitably sustained through companion or spousal loss. Additionally, I find that they are quite often more psychologically ready for the flood of anguish that accompanies death. Armed with this information, that financial planning affects positive movement in psychological preservation, why would anyone procrastinate financially preparing for the final expenses of their loved ones?
Financially preparing for the reality of death forces our minds to consider the struggles that will accompany such a profound change in life and thereby subconsciously affects our psychological readiness. I am not suggesting that your anguish or suffering will be any less intense than anyone else’s; however, it is impossible to prepare for death’s expenses without contemplating its reality.
Such contemplation without the realization of pain subconsciously moves us toward a more positive transition at materialization.
One often hears, “Fortune follows the prepared mind.” Expounding on this truism, I would suggest that the prepared mind facilitates recovery. As a Certified Grief Counselor, I would implore you to prepare yourself for the inevitable. Like it or not, death happens. Preparing for loss before the accompaniment of emotional pain buffers psychological trauma. The pain of loss will still impose itself upon your heart, however, the motto “Always be prepared” never had a more suitable application. Through emotionless preparation, your subconscious seamlessly rewards your psychological readiness and prepares you for transition into the loathsome reality of life without your loved one. Financial preparedness rewards you with the golden ticket of grief recovery facilitation and plants you in a better place emotionally, psychologically, and financially.

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