I've been testing both, and found each fairly easy to use and potentially very valuable, especially as your life gets more complicated.

WSJ: Gathering Vitals Of Your So-Called Scattered Life

Once someone has emerged from prison, everything is going to take more time than it did prior to the experience, especially finding that significant other to complete your life.

FORBES: Dating After Prison

Imagine the increase in your life and money satisfaction when you feel in control of your spending and especially your savings.

FORBES: How to Manage Your Personal Cash Flow

Decide how your life should be managed when illness occurs and especially when you are no longer able to speak for yourself.

FORBES: Can Patients Make Good Decisions?

Life insurance might belong in your estate plan, especially if we don't see a repeal of the death-tax.

FORBES: Taxes

Some of the steps she mentions include having adequate life and disability insurance, which is especially important if your partner dependents on you at all for financial support.

FORBES: 5 Non-Romantic But Vital Things to Do This Valentine's Day

All in all it sounds like a pretty good life being a PGA Tour caddy -- especially when your player is as relaxed a character, and as a good a player as Watson is.

CNN: A day in the life of Bubba Watson's caddy

Although I was lucky enough to have strong caregivers, I was completely unprepared for the psychology of recovery- having to hide my face, stay indoors, keep a low profile day in and day out as my body healed was so challenging, especially since I am normally used to living life in the opposite way: Loud and in your face.

FORBES: On the Mend: Lessons From the Road to Recovery

Furthermore, if you are considering which assets you would prefer to bequeath to your heirs and to charity, in life and death, Traditional IRA assets become an especially attractive target for charitable giving.

FORBES: Congress Ends Punishment Of Charities And Retirees...For Now