It’s Not If….. It’s When

It's Not If It's When by Lisa Elle

It’s not if….. it’s when.

Here’s the dealio…

Less than ideal things are going to be happening in your lifetime.

And to help you better cope with the things that you knew all along were going to happen to you or to a loved one, you need to have a plan in place!

All the D’s that you know will happen at some point: death, disability, disease, divorce, discharged or dismissed.

And yes, it may seem depressing, but that’s not the point of this at all.

People have dealt with these things – aka. LIFE – very successfully and not even that – they have CONTINUED to prosper through the HARD TIMES! #shocking right?!

There are people that are not only resilient to the crap that life serves up – they often have found ways to THRIVE during the hard times.





Especially with your MONEY!

Because – make no mistake – the hard times are inevitable.

Do you have a plan in place to help you weather that storm?

And yes, there are MANY plans that you can put in place TODAY to make sure when the time comes that you will be better equipt for the storm.

And NO, this is not about stuffing emotions and hiding them away. You will feel the pain in all that life throws your way.

But this IS about being able to not let one bad thing turn into a chain of bad things happening to you.

When someone passes away, when someone gets sick, when someone loses their job – that’s bad enough.

We don’t need to add on FINANCIAL STRESS over and above it.

There’s no reason that money EVER has to be the source of your stress.

Do I need to say that again?!

There’s no reason that money EVER has to be the source of your stress.

And yet it is – and it usually is because YOU (yes, Y-O-U) didn’t plan properly for yourself and your family.

This is not your partners problem.

This is your problem.

(If we all waited around for our partners to do everything for us many of us would be in BIG trouble!)

That’s why I’m saying this is your responsibility!

And I’m saying that with tons of LOVE – because I realize many of you do not have supportive partners in this or one of you in the relationship just doesn’t care at all.

So here’s the plan – the baby steps – that need to be taken to really give you a financial base to work with.

You can’t pass go or collect $200 until you get these basics completed.

Tough LOVE.

You would be well served to do whatever you can to make sure these financial basics are in place before you move on to investing money anywhere else!


  • Make sure you have your Last Will & Testament in place and up-to-date. (For you and your partner!)
  • Own enough life insurance policies on your life (yes, Y-O-U – take responsibility for the life you currently fund and created!) that covers ALL your debts, promised income payments (salary to provide for children or cover monthly cash flow need for a certain time period) and any legacy you wish to leave behind. Make sure to have some on your partner as well!
  • Own enough critical illness insurance policy to cover you in case of Cancer, Heart Attack, Stroke, etc. that will get you through at least 2-3 years of not being able to work or help with additional medical expenses or treatments not covered. Also, make sure to have some on your partner.
  • Make sure you have disability insurance if you are working to cover your monthly income in case you can’t work due to an accident or illness.
  • Make sure you have proper extended health care plan to help cover costs of dental, prescriptions, eye health, etc. and if you have your own corporation make sure you have set up your HSA/PHSP. (Yes, every family needs this!)
  • Make sure you have 3-6 months of expenses saved in a high interest savings account.

Do these things BEFORE you even move on to investing! Before you even start saving for retirement.


Without these financial basics in place your retirement savings will be in jeopardy of a financial disaster striking you.

And if you don’t have retirement savings then you need these basics even more!

And here’s another thing!

You need to do these basics before you even consider paying off your debt!


Yes, you need your financial basics down pat before you even consider making a plan to get out of debt or build up your saving and net worth.

Why is this so dearly on my heart?

I have seen it so many times when clients and friends have been caught when life doesn’t go their way.

And – we all know – many times life doesn’t go our way.

And that’s okay.

But what’s not okay is not using the common-sense and brains we’ve been given to adequately prepare for the D’s that we will inevitably face.

So, make sure you’ve completed this check list!

Don’t go on to anything else until you’ve checked off this entire financial base checklist!

We are all dazzled by investing and saving and want to make money but many of us aren’t even protecting the main thing: our income earning power, covering our bases and protecting and creating our legacies.

Hey, no one will be thrilled when you leave your estate a huge mess!

Talk about adding stress to your family at a time when they should be mourning and remembering you in the best way possible, not in the way that causes disharmony in the family.

And who wants to be financially stressed out when they get a cancer diagnosis? Who wants to be financially stressed out when they lose their job?

Trust me.

Make this promise to yourself.

That you will create a beautiful financial base for you and your family.

A nest.

A safe place to land.


Love and peace.

Do this and you will surely….

Live Your Legacy!

xx Lisa

PS. Do you have questions in getting your financial base set up & how you do this? Join us at and you will be invited into the Money Makeover Facebook Group where we will help you set up your financial base and answer all your questions! Oh, and it’s FREE! Sign up now! 5-Day Financial Basecamp: Creating Your Unstoppable Untouchable Unapologetic Financial Base!

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