I have been reminded several times in recent months that life is full of unexpected events. First, a client of mine very nearly died during a “routine” medical procedure. Second. A freak accident resulted in my becoming (temporarily) physically incapacitated. And third, I have witnessed at close range the rapid descent of a parent into irreversible mental incompetence. It reminded me that we are all vulnerable to these unexpected events that can leave us helpless and dependent on others, such as our spouse, our family members, or our friends.
Although we cannot know when these unexpected events will fall on us, we can take relatively easy steps to avoid the unintended consequences.