The death of a spouse brings one of two changing financial situations - (1) the widow(er) was not the beneficiary a life insurance policy and is experiencing a loss of income, or (2) the widow(er) was the beneficiary of a life insurance policy and must financially plan for the future. Either way, this is a complicated situation that may involve paying off debt, selling assets, investing, and budgeting. Dave Ramsey and Ramsey Solutions provide FREE financial coaches, workbooks, and budgeting materials for Clear Ribbon Foundation at no expense to the widow(er).