Sometimes we have to think about the not-so-fun things so we can enjoy the fun ones.

Who wants to talk about money? How about planning? These topics may not be on your list of fun conversation starters.

An article on kjrh.comexplores some grownup topics most of us would rather put off until sometime later. After all, we have other stuff to do, right? The article is appropriately titled 4 boring money talks you need to have.” Although not a barrel of monkeys, these subject areas are very important for you and your loved ones.

Important Estate Planning Considerations

Life Insurance.

This is really about the financial legacy you want to leave behind. Whether you want to ensure the care of your loved ones, want to cover your final expenses or want to avoid putting your family into debt, life insurance can help meet those objectives.

Estate Planning.

Having a will can avoid confusion and fighting after you pass away. It’s your chance to be specific – and formal – about your wishes. An attorney who specializes in estate planning can help you with your will and other estate planning strategies. Even if you don’t have a fortune, a will can divide up the money and property you leave behind, and detail any special wishes you may have.


Retirement is a long-term goal. Accordingly, the sooner you start planning for it, the more likely it is to happen when and how you want it. Start thinking about what you want out of retirement. Many factors will affect how much you need to save for retirement. Even if you change your mind, start thinking about what you want out of retirement so you can be sure you’ll have the resources to pay for it.


If you have bad credit you’ll have high interest rates, and you will spend more time and even more money servicing your debt over the course of your lifetime. The article says that the key to talking about credit is first figuring out where you stand. Get help and stick to a plan!

As you have these four “boring” money talks, loop in your estate planning attorney. He or she can help you with pertinent information and answer any questions you may have.

Philip J. Kavesh
Nationally recognized attorney helping clients with customized estate planning guidance for over 40 years.
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