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Josh Tirado: [00:00:00] Welcome to the making smart decisions podcast. I'm your host, Josh Toronto, and today's title. I'm going to affectionately call when life smacks you in the face. I did a podcast a long time ago, where I referenced a quote from Mike Tyson about being punched in the [00:01:00] face. But this is a little different.This is more about you're minding your business on a mundane Tuesday afternoon, and all of a sudden, something major in your life happens. Are you prepared? Are you ready? This was brought to mind. I was on a call with a client this morning. She mentioned that her husband, also a client of mine, had been in a car accident not doing anything reckless, literally sitting stopped at a stop sign, other person driving incredibly fast through a residential area, being careless blows her stop sign, loses control of the vehicle, T-bones my client.And now. Several days in the hospital, several weeks later, several surgeries has a couple of months of rehab ahead of him. He will be okay. Thank God. He will be okay. But several months of recovery needed to get a wheelchair, need to outfit his house. Again, as I said, he didn't see that after several surgeries and a long road, several months of recovery, and several months more to leave back to a hundred percent.He was going to the store it happened he [00:02:00] has a job with flexible time. They are very understanding. They're working around it. These clients well-prepared. They have savings through the job. They have good health insurance, and things will be okay.But their life has been majorly impacted for the next several months. And we both know him getting T-boned like that. Yes, he had several broken bones and torn things and multiple surgeries, but it could have been much, much worse. So that just really affected me this morning and brought to light how quickly life can change in the blink of an eye.This is not some avail attempt to encourage you to buy more insurance. This is just a fact of life. Do you have savings? Do you have insurance? Do you have a plan? Do you have yours? Do you have a healthcare power of attorney? You have your wishes drawn out if you are incapacitated. What do you want to have happened?If things go south and something terrible happens to you and you pass, [00:03:00] what do you want to happen at your funeral? COVID is brought to light when you start hearing more and more about people that have passed away, not just from COVID, but I'm telling you. The famous people that young and old to make the headlines, right?Because they're famous people for one reason or another, you hear about the passing. And so many times you hear, wow, that person was still so young. And a lot of times young people ignore the need to put together the will and their final wishes and that sort of thing. But it's necessary. So if you take a little time and it's not.It's not, but it's more affordable than you think. If you take the time to address that, and you take the time to work as a professional to draft that, and you work with a professional like myself to make sure your finances are in order in case something happens. We can't protect against everything.It's life happens, but we can still protect against many things and prepare and hedge our bets and be in a good position. Should something happen? Devastating things happen all the time [00:04:00], and everyone thinks, oh, it never happens to me right up until it does. So this may sound a little more somber.I want to get the energy up a little bit, but be aware of things that happen. And this is just a quick little reminder. Do your annual physical with your doctor. You shouldn't have to pay for it. Most insurance covers. And you get some blood work done. You see your doctor. A lot of people are like; I want to know what's wrong with me.When I say many people, I'm referring to actual family members that I know that say things like that, but you should know if there's something wrong so you can correct it. You can amend it. You can cut off the past. Take your health seriously. Take your finances seriously. And in doing that, think about this.You take care of the finances. You're working on your health. Even if you're not perfect, you're working on it. You take her to the finances. You take care of the legal side. It should help you sleep better. That is your permission to have fun, enjoy [00:05:00] your life. Go do fun things and not be so worried about, oh, what could happen?Cause if something happens, you've done at least, you've done everything you possibly can. And then go live your life. It's an excellent permission slip, and you're doing the right thing. And it, and thinking about this too, if something happens to you and people I've heard this from clients, I'm not worried about it because if something happens to me, I'm dead, and that's a hundred percent true.But if there's anyone that you love or care for in your life, those people are left behind in dealing with it...