One Seattle woman learned the hard way not to put off financial planning, and she's turned those tough lessons into a website with a jolting name.
If Chanel Reynolds had named her website Get Your Stuff Together, she thinks people would have assumed she was a closet organizer. So she decided to go with with a name that more accurately -- if not profanely -- describes the company's function.
Reynolds was in the middle of a July barbeque with friends three years ago when she picked up her phone to take a photo of her son.
"I couldn't understand where there were all of these missed calls and messages from numbers I didn't recognize," she said.
That's when she got the life-changing call that a van had plowed into her husband, Jose Hernando, while he was cycling in Seattle's Seward Park.
"I was at the hospital and I had my late husband's phone and I was trying to open it up with the password so I could call his dad," Reynold said.
She didn't have his password and she soon learned their wills and living wills hadn't been signed. They had no emergency fund and their life insurance, while helpful, was outdated and insufficient.
"It was a really terrifying thought not to know what was going to happen and realized I didn't have my (expletive) together," she said.
Three years after her husband's death, Reynolds has turned that fear into a financial planning site called Get Your (expletive) Together.
The name came to her when she was standing in the hospital after her husband's accident and said to a friend, "Oh My God, I don't have my (expletive) together at all."
She launched a website as a form of healing, but it soon erupted into a web wonder with thousands of people around the country downloading her checklist and templates, which are the very things she wishes she would have done before her husband's death.
"My hope is that this is the nudge that people need to get it done in the way it works best for them," Reynolds said.
The week Reynolds launched her site on Facebook, the New York Times picked up on it and did a story.
As the four-year anniversary of her husband's death approaches, Reynolds is now raising money on a crowd-funding site called indigogo.com so she can create a digital guild with more information on life and death planning