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I've been trying to figure out my benefit selection at work this past week, but I realized that I had never really planned for what happens if I died. I'd like to make sure that my wife is taken care of financially, but I'm not really sure exactly what happens to my assets if I pass, or what I should do to make sure that my wife won't be on the hook for anything. I don't think our financial situation right now is anything too unique. We both have a fairly significant amount of student loan debt. We have about about $4000 on our credit cards - these are paid in full every month via autodebit as are a number of other bills that are in my name. Right now, I'm also earning the vast majority of our income, and she's on my insurance plan through my work. After we were married, I added her as a beneficiary on my life insurance, 401k, and IRA; added her as a joint person on my checking accounts; and added her as an authorized user on my credit cards. But I haven't done anything else. I don't have a will or anything like that, but I don't really have much in terms of other assets other than a few hundred dollars in an old savings account and my 10 year old car. But at the end of the day, I just had a bunch of questions. Does anyone have experience with this sort of stuff?
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# ¿ Nov 2, 2015 23:39 |
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# ¿ May 17, 2024 15:58 |