Most people hate hearing the words “financial planning” as they assume that someone will be lecturing them about the merits of creating and sticking to a monthly household budget.  However, one of the most important elements of financial planning is asking yourself “what if” – – what if I lose my job, what if my spouse dies, etc.  By asking the “what if” questions, you may be able to avoid extremes like bankruptcy or foreclosure.  For helpful tips on how to begin your financial plan read, “Financial Planning For Busy People.”