
Imagine you’ve been making all the right financial moves for a long time. You estimated your future needs, diligently set aside a portion of every paycheck, invested the money according to a trustworthy strategy, bought proper insurance for your family, stocked an emergency fund, made sure your paperwork is in order (wills, trusts, living wills, power-of-attorney documents), and everything else. If you’ve done all that, congratulations — you’re in far better shape than most people!

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