For my first decade as a mom, any time my husband and I got in the car to travel somewhere together without our sons, my brain played a recurring horror movie : we died in a terrible car crash, leaving behind a giant mess. It wasn't just fear; it was a reminder that without a plan, everything we cared about could be thrown into chaos. When we initially became adoptive parents , we talked frequently about guardianship and financial plans if something were to happen to us. We wanted to make sure