I need advice. My dad has kidney disease and he is in his final stages. I hate to even think about him passing but the truth is it's going to happen and I just want to be prepared. He has enough money in the bank to cover a funeral and burial and a few years back he had the bank draw up some type of form saying that after he passes away his daughter (me) can have access to his account. But recently a few people have warned me that I must get power of attorney or else it could take up to 6 months or longer after he passes to get the money. That really worries me because I simply do not have the money to pay for any of it if he were to pass. I already live paycheck to paycheck. Help!!