I will preface this post by saying I am an opinionated person. Having said that, here is what I was thinking about earlier tonight.
There is a woman who posts videos on You Tube. She and her husband have quite a few children. Her husband passed away suddenly last summer. Prior to her husband's death this lady made videos showing things she had purchased (hauls) and also RAKS (random acts of kindness gifts) sent to her from others. I should also tell you that she was very generous and sent RAKS to many people.
In the span of only a couple weeks, her videos went from showing all the things she had purchased, to videos offering her craft supplies for sale (of course at a tremendous loss). She pointed out they had been a one income family, and now without her husband, she and her kids were in serious trouble.
To put it bluntly, life insurance isn't cheap. But neither are all the products Tim Holtz sells. If some of that craft money had been spent elsewhere, i.e., life insurance, things would be different right now. I cannot fathom the loss of a spouse, nor am I trying to take anything away from her tragedy. I'm just asking you to think about it, especially if you have children at home.
Both my husband and I have life insurance policies. We give up a few extras, a few dinners out, a few fancy vacations in exchange for peace of mind and the knowledge that our kids would be taken care of. It's too late for the lady I have written about. If someone reads this and it makes a positive impact on them, I will have accomplished my goal.