It's sad for me to admit this, but, no one in the family is any good with finances. I'm not that good, but I'm "it" because everyone else is so much worse. My son might get to that point someday, but hubby is a zero at math or business skills (we are still working on what was once about 35k in debt to prove it) and daughter would blow anything she could get her hands on on cigarrettes and junk. And medical decisions - well, maybe daughter would do well, but again hubby is a zero with regards to anything medical and would just do whatever the last person he talked to advised, does a really bad job of risk-benefit evaluation or even reporting symptoms accurately, and my son just does not get what my values might be or how they might differ from his. Where else would you turn?