<prompt> Human: Dear Reddit,I come to you all in personal finance looking for advice. Im in a very difficult situation and have no idea how to proceed financially. I gave birth to 2 beautiful twins March 13th, and a week ago Sunday I lost my husband in a horrific car accident. He was driving at night and fell asleep he was commuting 2.5hr each way for a business deal he had in works for his company but wanted to see us every day and ran into a guard rail or through it, as Ive been told, but died upon impact and was pronounced dead at the scene and unable to be revived.My husband was the bread winner in the family 35F, and 41M. He just started a new job almost 3 months ago and does not receive any benefits from his company.His ex wife is the beneficiary on some financial accounts he has he was in the process of changing this with the twins being born, not knowing that I wouldnt automatically receive it if something would happen but did not get it doneFinancial situation right now; Im on MAT but do not receive enough income to support everything. Here is the breakdown of the expenses:Mortgage: 972Car Payments: 428.xx 615.xx the 600 payment is DH vehicle which payment will be gone within the next month or so after insurance looks after everythingFood: 550-600Baby Expenses: 1,000-1,200Utilities: 600Car Insurance: 391.xx for bothOf course theres a few things outside of this, but this is the base. DH has no life insurance etc and as I mentioned before some of his accounts has his ex wife as the beneficiary. This month I am short 1,700 from covering all base costs - at the end of the month, I can take the month to move in with my sister and her husband until I get things sorted and list the house to downsize. Any ideas what I can do to help find that 1,700 through husbands accounts etc? I have no idea where to begin. My parents have both passed away, my sister and her husband had a baby not long ago and are financially tight and my husbands family is distant and grieving so I dont want to trouble them. Thank you in advance for any help.UPDATE! THANK YOU SO MUCH EVERYONE FOR THE HELP! HERE IS EVERY TOPIC TO UPDATE:IN LAWS: They refuse to help but it is strictly in the will for them not to receive any custody whatsoever in the event they challenge it, as it is against his wishes. A lawyer said this could be used in court if needed.CAR PAYMENTS: Insurance company paid DH loan in full. The dealership I bought my Tahoe is letting me trade it in and receive roughly 4,200 back in equity AND theyre going to donate a brand new Equinox to myself and the girls! I worked for the auto group that owns the dealership, so this was their way of helping when I wanted to trade in for used it will take a couple of weeks to process everything but I should have a check for 4,200 by the end of May!FINANCIAL SHORTAGE: My bank found an insurance claim they could process, which will take a week or so or more for 1,000. My sisters in laws offered 350, and now Im just 350 short!BENEFICIARY: The ex wife agreed to transfer everything into my name but she wants a small cut sucks, isnt fair... but at least shes willing she just wants the lawyer fees covered to transfer everything and 1,500 as goodwill as she called it.This is all I have for an update now, THANK YOU TO ALL THE USERS WHO HAVE HELPED!Assistant: Im sorry for your loss and I hope you have someone to talk to. Although your situation is difficult, you still need time to grieve yourself and make sure that youre OK too.That said... His ex wife is the beneficiary on some financial accounts he hasMake sure this is all in your name and switch them all over just in case. I dont know what your relationship is with that woman but presuming shes not a horrible person who would screw over a widow with two newborns, she should comply and make sure you have access to everything. If not then Id go medieval on that situation. Get all accounts moved and notify everyone. Im on MATIm presuming your work knows and if so, they can offer help. Depending on the size, your position, and goodwill of the company, you could ask for either a loan or give you an advance against your salary i.e. you get money now but not when you return.If you andor your husband have a 401k, you could take an emergency withdrawal. Its not ideal and youll be taxed plus get a 10 penalty but unlike a 401k loan, you dont have to pay the amount back. More info... Pro: you get money now, you dont have to pay it back, so if you leave your job, that money isnt due Con: you pay income tax and 10 penaltyYou can also get a 401k loan: Pro: you get money now, no penalty Con: you have to pay it back with interest though money is going back to you. However, if you no longer work there for any reason, the entire amount is due in 30 days.Talk to a social worker and perhaps start by calling your city hall and asking for help. Car Payments: 428.xx 615.xx You can sell one of the cars. Thatll also drop one of the insurance costs. This month I am short 1,700 from covering all base costs What is your credit like? Do you have any credit cards? Do you own a home and how long ago did you buy it?Human: So much informative help, thank you!Ive never met his ex wife and have no idea to locate her. My DH parents said they could look into it, but theyre grieving and it wont be their first priority which is understandable...As for work, they are not willing to help at all. They sent me flowers and a card, and I asked if I could extend my MAT leave or even work part time for extra pay aside from home I work in the financial department and they basically told me that I can easily be replaced if needed.My DH has a 401K, but the bank is convinced it will take time to get the funds out, 2-3 weeks would be the earliest.A 401K wont work because Im not officially on any of it, the bank just received their notification that he switched my name to it from his ex wife but it takes a week for them to process it and will take time to get the proper paperwork to show to get the 401K loan.I talked to a social worker but they could only help apply for SSB.The car he was driving was totalled, the last payment comes out the 5th of May... then hopefully the insurance company will pay out the loan we have full reimbursement coverage but we all know how slow insurance companies areCredit is great but because Im on MAT leave and havent applied for credit in 3 years I got declined for the MC I applied for at my home bank! I currently have 4 credit cards, but all are currently maxed because of the expenses Ive incurred the last 2 weeks... the home is 100 in DH name, and it was bought 3 months ago.  <response>: My DH parents said they could look into it, but theyre grieving and it wont be their first priority which is understandable...You mentioned this a few times. Id like to try to calm down and say this politely: this isnt about them. You and your newborn children should be everyones primary concern. This isnt an ego boost to you but its simply reality. Yes, its important to grieve but its important to make sure that those needing actual help - like you - get it ASAP. As for work, they are not willing to help at all.Damn, sorry to hear that. My DH has a 401K, but the bank is convinced it will take time to get the funds out, 2-3 weeks would be the earliest.Maybe someone here has better info but try calling whoever manages the 401k. Considering the emergency, they should be able to wire the money to you. Sure, itll cost you 25-40 unless they have a heart where they waive the charge considering your situation. Youll get the money quickly though. A 401K wont work because Im not officially on any of it, the bank just received their notificationTry to talk to a manager and explain the very difficult situation. Your role is to convince them that you a legit beneficiary and your husband has indeed passed away. Often when someone calls in about a rushed financial transaction, theyre a scam artist so keep their mentality in mind. I talked to a social worker but they could only help apply for SSB.Well thats something at least. Whats the timeframe for that? we all know how slow insurance companies areYou can poke that along: always talk to managers and request for this to be expedited tell them the same story about your situation. Theyre still people and they will try to help you especially since you have a legitimate claim make a note of the daytimeperson you talked to Credit is great but because Im on MAT leave and havent applied for credit in 3 years I got declined for the MC I applied for at my home bank! I currently have 4 credit cards, but all are currently maxedThen your credit isnt great, bummer. the home is 100 in DH name, and it was bought 3 months agoYou were married at the time so its also your home. Is your name on the deed at least? How much of a down payment did you put in?Also just to get a timeline: he applied for a mortgage wo you and bought a house at the same time, he got a new job you gave birth two months laterThats an interesting story and a pretty bad coincidence. 