Yes planning is very very important and not just for what happens after. I have that all settled, A DNR,daughter has power of attorney and the body is going to be donated. But I hadn't planned for living with out being able to work. Divorced at 38 left with nothing,struggled through till kids were grown, went to school at 48, had everything planned out for the next 10 yrs.Then health issues hit. Everything is still such a mess that if I knew then what I know now I wouldn't have had the surgery. Daughter lost house , I lost everything(at least there is nothing for the kids to fight over. :-) . I am adjusting but its hard. If I had everything to do over, I would have put money in my mattress for sure and not told a soul.LOL