Why is estate planning so critical? Because, at your death, you leave behind the people you love and all your worldly goods.

In times of financial crisis, the last thing you’ll want to do is start digging through the couch cushions for coins. Especially if you have a family. Having a financial safety net in place can ensure that you’re protected when a financial emergency arises. One way to accomplish this is by setting up a cash reserve, a pool of readily available funds that can help you meet emergency or highly urgent short-term needs. Here’s how to get one started.