We all know that circumstances change without warning. A parent passes, a loss of a spouse, or divorce. Suddenly, you are now not only the breadwinner, but you have also joined the 95% of women that are the family financial decision-makers. Don’t wait for the inevitable to happen. Be proactive. A good start may be to join your spouse with a review of your insurance, investments, and finances and review monthly. Get comfortable with your finances. Ask questions. Be prepared. Have a plan for the “worst-case” and be ready to act.