Two sides of a coin – be prepared for a change in income – and still have income to have fun! Disability insurance – you can have personal policies and a group policy. Here are some features to check in your policy (s): Paid by post tax dollars, own occupation, cost of living adjustments, qualifying events, and ability to increase amount of insurance as your income increases. I have two podcasts with Dr. Yerrington about disability and a bonus third for females. Follow this link if you are interested https://carolclintonmd.com/dr-yerington-focuses-on-disability-insurance/. Now planning for fun! Bucket List – if you don’t have one – get one! Here is a wheel of life https://slidemodel.com/templates/wheel-of-life-powerpoint-template/. Brainstorm10 items in each category and then decide which are the most important. If you do this with a friend, you may find they have some fun items you want to include yourself! My first items on my bucket list related to travel – because if I couldn’t travel due to a recurrence of cancer – I wanted to make sure I had memories. I travelled to Africa, Alaska, and Galapagos. And I was able to bring one or more of the children along – who are all now young adults!