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In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 4th decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.

Making the Loss of You Easier on Your Loved Ones

Carter Jones

You might not be looking to go any time soon, just yet, but that doesnít mean that you shouldnít be thinking about planning for that eventual trip to the other side. In particular, when you have a family and loved ones, you start thinking about how hard that eventual parting may be on them. You canít take away someoneís grief, of course, but you can make sure that it isnít any harder than it needs to be. Here are a few of the ways you might consider doing that.

 man in black jacket looking at a grave

Image - CC0 License

Write a last will and testament

Regardless of who you are and what assets you may or may not have to leave, writing a last will and testament should be considered the bare minimum for ensuring that youíre able to leave something behind for others. You can do this with the help of an estate lawyer, like those at, who can act as both a witness of you signing your will and can be given instructions on how to carry it out once you pass. You might also want to talk to your lawyer about ways you can protect your will, such as with a trust, which weíre going to explore more. At the very least, however, you should start writing one when you next have the opportunity.

Decide what happens to your body

You might not think it, but a lot of trouble can be kicked up over what is done with your body when youíre no longer living with it. Some people may have very strong feelings about options like cremation and burial and may think that theyíre expressing what they believe to be your wishes in lieu of actually having been told them. As such, you should take the time to consider your options yourself and to clearly state, in your will and otherwise, what you would prefer to be done with you after your passing.

Ensure less trouble with your estate

Having a will is all well and good, but itís very possible that it may not count for every asset and eventuality. Whatís more, things like estate taxes can bite into what youíre able to leave behind. As such, beyond your will, you should ensure that you work on a trust that allows you to protect that wealth, and to have better control over where it goes. Probate court can be a very messy thing and it can worsen relationships that you would not want to fall out over you. As such, doing a little forward-thinking to ensure the fair division of your assets and to avoid fights is likely a good idea.

Donít leave them as much to pay for

There are ways to pay forward for the things that might be necessary for your eventual goodbye. However, rather than leaving it up to your loved ones to make those decisions, you can make it a little more painless for them by choosing what kind of memorial you would like. Online stores like can make it a lot easier to pick out things like urns, headstones, and the like so that you make it a little easier for those you leave behind to plan the rest. Of course, it might feel just a little morbid thinking about what youíre going to have to be a memorial to yourself in the future, but you can at least make sure that what is chosen better reflects what you would want, rather than leave it up to fate.

Let life insurance take care of the rest

For everything that you donít pre-purchase and prepare ahead of time, you can ensure that you at least leave the financial help necessary to cover those costs. This is what life insurance, in its most basic form, is for. Life insurance agents like can help you choose the policy that best suits your needs. You can decide not only how much to leave behind, but how it is left behind, as well. For instance, you donít necessarily have to just leave behind a lump sum to cover funeral costs. You can help with the cost of living for loved ones, especially those that might be relying on you financially, right now.

If youíre expecting it, talk about it

You shouldnít be ringing the bell and upsetting your loved ones if youíre thinking about your own mortality without any evidence that you might soon be confronting it. However, if you are unwell, and thereís a good chance that you might be looking at the end of your life in the relatively near future, then it might be time to talk about your condition with your friends and family. Aside from the practical decisions such as what medical interventions you may choose, as well as who might be your healthcare proxy, you might want to think about what you want to say to loved ones, whether it is to express love, to thank them, to settle old grudges, or otherwise. You donít owe anyone, in particular, closure, but it can make things easier for both of you as the time draws near.

Leaving messages for loved ones

Of course, there may be some people that youíre not able to talk to before you pass or some conversations that youíre not ready to have face-to-face. Emotions can be difficult to process, and we can often have an easier time collecting and expressing our thoughts and feelings when we are alone. If you believe that the end is approaching, then you might want to take the time to pick up a pen and a piece of paper and leave some messages for your loved ones to receive after you pass. Make sure that they are given to your lawyer or put somewhere they are likely to be discovered as soon as you have written them.

Thereís a lot that you can plan ahead for, and itís a good idea to start doing it. After all, itís not like any of us is going to live forever. Sooner or later, you can rely on those plans if you start laying them now. 

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About the Authors

Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance, medical tourism and world travel. With the wealth of information they share on their award winning website, they have been helping people achieve their own retirement dreams since 1991. They wrote the popular books, The Adventurerís Guide to Early Retirement and Your Retirement Dream IS Possible available on their website bookstore or on

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