Your DNA Test Preparing for the unexpected can make all the difference if your family relies on your income. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Retirement Is a Beginning Key questions to answer when you are considering retirement.