It's sort of like asking "are you breathing today?" We have all worried about this at one point or another — no matter what our bank books report.

The fact that you've landed on our site tells us that you think ahead. But, what in the world should your plan include? With every internet search, friend over coffee, and social media so-and-so telling you opposing "must-dos" and "don't even think abouts," knowing the right approach for your family can feel downright baffling.