<prompt> Human: Ive got cystic fibrosis which is a degenerative disease. Ive been doing well, but recent info makes this the beginning of the end. Weve got 50k in savings. About 40k in her 401b. And 11k between my 401k and with ira. All emotions asides, how do I make sure shes in ok after Im gone in 5-10 years. Were both 30. Thxs.  <response>: Does your wife work? If not, looking at these numbers the best thing would be to get her ready for the work force, my wife and I have always strived to be able to not have to change the family lifestyle if one of us were to pass we only have one child as well, without counting on a penny of life insurance. Higher education or trade schools could be a viable option as well. 