When no one talks about it in time, a family faces two crises at once — an impossible medical decision at 2am, and the slow loss of everything the person built. Both are preventable. Both are prevented the same way: a conversation, held early, with someone you trust.
We don't talk about how we want to die. And we don't talk about money. So families are left to guess at both — in grief, under pressure, too late.
Only about a third to a half of adults have documented their end-of-life wishes. The rest leave the people they love to decide alone, in the worst hours — with no way to know if they got it right.
About $84 trillion will change hands by 2045 — yet two-thirds of Americans have no will, and 70% of family wealth is gone by the second generation, 90% by the third. Not from bad luck. From silence, and rushed decisions made in grief.
A good death and a protected family aren't two projects. They're one conversation, never had.
In La Crosse, Wisconsin, roughly 96% of people die with their care wishes known and honored — because a whole community learned to have the conversation, guided by trained, unhurried humans. It was never the form. It was the conversation, and who held it. Read what La Crosse did →
Here is the leap almost no one has made: the same conversation, with the same trusted guide, can protect what you leave behind, too. The kitchen table doesn't care whether the subject is your ventilator or your savings. The courage it takes is the same. So is the gift.
A floor is a line you draw in a calm moment, so no one has to draw it in a crisis. You need two — one for your care, one for your money. Set now, they hold when the people you love can't.
The boundaries of your care, in your own words: what you'd want, what you never would, and who speaks for you when you can't.
Grief is the worst possible moment to make a money decision — and it's exactly when families are forced to. A floor, set in advance, decides calmly, so no one panics at the bottom.
FloorPricer is an independent tool for setting downside floors on your own holdings. It is not investment, tax, or legal advice. CareGoals and FloorPricer help you decide in advance and in the open — they don't decide for you.
You don't have to hold both conversations alone. The person who already does this work — with warmth, at the kitchen table, unafraid of the hard subjects — is the death doula. The field has grown fivefold since 2019, and it's expanding into exactly this: the whole house, not just the medical part.
The modern doula is La Crosse's facilitator, carried into the home — and CareGoals is the instrument in their hands. In one sitting, they help a family set both floors and leave nothing to guesswork.
Wishes in one drawer, the will in another, insurance somewhere else, and no one sure what's where — that's how plans fail at the moment they're needed. ComfortCard is the family's single, private vault: care wishes, financial floors, key documents, and how to pay for care, all in one identity the family holds and carries.
It's also the payment rail. Doula and companion care usually isn't covered by insurance — but pre-tax HSA and FSA dollars often can be, when the care is properly documented. ComfortCard organizes that, letter of medical necessity included, so the care you want is care you can afford.
Get your ComfortCard →Each door opens the next. A family that gets its whole house in order becomes part of something that keeps the work going — and keeps the guides who do it paid and held like it matters.
The movement, and the doulas who carry it.
The instrument — the conversation and the record.
The wealth floor — what you built, protected.
The vault — and how care gets paid for.
Where care is delivered — worker-owned, so doulas own it too.
Because co-op.care is a worker-owned cooperative, the doulas and caregivers who sit with your family aren't gig workers — they're owners, paid fairly and holding equity. That's why the care is steady, and why the movement compounds instead of burning out.
Pick the floor that feels most possible right now. The rest follows from the first honest conversation.
About 20 minutes. Name what matters and where your lines are, in your own words — and walk away with a document your family can use.
Draw the line in a calm moment, so grief never forces the decision. Set your floor — no permission required.
Care wishes, floors, documents, and how to pay for care — one private identity the family controls.
Let a trained companion hold both conversations with you — the modern facilitator, carried into your home.
CareGoals provides advance care planning tools, not medical, legal, tax, or investment advice. FloorPricer is a separate, independent tool for setting downside floors on your own holdings; it is not investment advice, and past performance does not guarantee future results. A death doula provides non-medical, non-legal companionship. For clinical, legal, and financial decisions, consult the appropriate licensed professional. If you are in crisis, call or text 988 in the U.S.