. >> by the way, carol mccallahan, thank you so much for being here >> it is my pleasure i am honored to be here and welcoming cheryl back. >> thank you >> one of them has to be sharon's experience and dealing with disability insurance. >> that depends on how much debt you have and cash flows are. disability insurance protects 60% or 70% of your income. if you don't have a lot of savings, it is imperative you must have disability insurance >> sharon talked about having three to six months worth of cash, is that a goal to go with? >> three to six months, three of you have a great stable job with good insurance protection, six if you don't have much protection you may need more if you have a lot of debt. you got to work on getting that debt down so you don't have a big of an emergency fund six months is a good nrm umber o shoot for. shannon, and many things, how daus sta does a state planning work >> there is so much more of estate planning and i am glad that we had done it a long time ago and reviewed it recently the healthcare power attorney is the most important part of my journey at