How Do You Plan For the Future?

These are my children. This is my heart and my entire life. Every one of them just as important. This photo shows so much personality. Nate, the clown in the front. The protective big brother Tyler with Sammy being a goofball. AJ ready to take on the world and Grace happy to just be with momma. I am the all time protector. I watch over each of them constantly. It's my job,It's my privilege and I wouldn't trade it for the world.

However, someday I will be gone. I pray not for a very very long time.  Who is going to take care of them then? How will they survive? Bad things happen all the time. What do we do then? I have no doubt in my mind that my boys and Grace will be ok in the long run on their own but someone will have to care for Sammy, no matter when we die. Now or 20 years from now.

We have begun planning and we are buying life insurance. Each child will also be insured as a way to grow money for their college funds and for Sammy therapy and other things he may need along the way. It's hard to think of the future where I wont be there to take care of him. If you all don't already have life insurance you might want to look into it. The next thing to take care of is a Last Will and Testament. I am not really ready to cross that bridge yet.

How do you decide who will take care of your special needs child?