Short term or long term It is obvious that should you be unavailable or were in a position where you simply could provide for them monetarily as you usually do, that would be a very different situation than a long-term event. So if there is a job loss, what's the plan of action? If you become temporarily disabled, what then? Long-term monetary problems or even your early passing would require different solutions. Not to be a pain, but think, for them, what would they do if you die before your time or are perhaps forced to retire earlier than expected? These events would impact income and the way you care for your dependents and are typically handled in partnership with an insurance contract that becomes effective when needed.

Finances- Typically, though not always, when we speak of planning we are thinking of finances. If you are the family breadwinner, your role includes many types of support: emotional and physical care as well as financial assistance. These people need you. What is the state of your finances? Can you make a strategy to corral the wayward bits into a simplified and frugal plan so that you are more prepared, and perhaps very prepared, for the unexpected? I think you can. Speak with a financial advisor who can assist you.

Physical care Taking action because of your responsibility also means choosing a guardian in the event you could not care for your dependents yourself. You choosing the best person to fill your shoes means you have a voice in what happens to your dependents. If you don't plan, you have no say in their future. And wouldn't they have already suffered enough without you preparing the way for them? You know what's best for them and you care deeply about their welfare. Please take the time to choose a wonderful caregiver.

These little people, these dear loved ones, are counting on you to responsibly protect them as you are able. Take the action you need to make them safe.