Four essential documents that could save your financial life

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Many people have no desire to talk about “what if” when it comes to their finances.

That’s because they’re often too busy figuring out what to do with their money right now. The reality is we can’t live forever and, in some cases, we won’t even be able to live the way we have in the past, due to chronic illness, injury or other unexpected events.

Sharon recovering from emergency brain surgery in September 2016 in intensive care unit at Montefiore Medical Center, Bronx, NY

Courtesy: Sharon Epperson

A will

Everyone should have a will.

A last will and testament spells out who you want to give your assets to after you die. For parents of minor children, a will allows you to name a guardian. You can specify who will take care of your kids and help them manage their


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