Most families believe they’re prepared for a crisis. They’ve signed the documents. Checked the boxes. Completed the estate plan.And yet, almost none of them are ready for the disaster that actually comes first.In this episode of Rogue Wealth, Kris dismantles the dangerous myth that death is the real emergency. The true crisis is the three to seven year marathon before it — cognitive decline, long-term care, caregiver burnout, family conflict, and financial hemorrhaging — all unfolding while the person you love is still alive and decisions still have to be made.This is the episode your advisory team never mentioned.We explore why families don’t “rise to the occasion” in emergencies, why the government’s default plan creates chaos, and why most estate documents fail when incapacity lasts years instead of weeks. From the hidden toll of caregiving to the devastating impact on family businesses, this conversation reframes preparedness as protection — not pessimism.This is about running the fire drill before the smoke fills the room. Because communication isn’t just advice. It’s lubrication. And the hardest conversations are where the breakthroughs are hiding.Chapters:0:00 - Introduction1:47 - Communication is lubrication6:30 - Don't let your kids lose both parents11:00 - Define your plan and identify these key concerns17:18 - A client's life is turned upside down24:10 - Do your fire drill so you're prepared when something happens26:00 - Things you can do right now!28:15 - The critical choice you need to make

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