There is actually a National Face Your Fears Day in the month of October.  When it comes to issues of getting our own house in order do we really care?  We think about the things we should do and the critical parts of our lives we should take care of, but why do we procrastinate or totally avoid issues that could actually make our lives better.  What are we really afraid of?

Do you have a child emergency medical release form prepared and signed for your child or grandchild to be given to sitters or daycare?  We should be afraid if a child has to be taken to an emergency room and can’t get the necessary treatment.

Why do approximately 80% of Americans not have a will?  Are we afraid to tempt fate that we will die prematurely if we have one prepared?  How silly!  We should be much more afraid of the probate issues and the burden on our family.

Are we afraid to review our insurances policies with our insurance agent because we think it will cost us more money if the premium has to be increased due to changes in our lives.  We should be much more afraid of needing to file a claim only to find out that we do not have the correct coverage.

Do we feel embarrassed or humiliated to make an appointment with a financial planner or estate attorney because we don’t have all our vital records and documents in order?  We should be much more afraid of the turmoil in our life and the life of our heirs due to our lack of planning.

We care about the people we love, don’t we?  If we truly care, we must take the first step toward putting a plan in place to ensure we leave behind a legacy of love.  Don’t let the last thoughts your loved ones have about you be negative.  Face your fears and  remember even the most difficult things can be done just one step at a time.