Stop GoFundMe Funerals: The Truth About Insurance & Generational Wealth

We insure our cars, phones and gadgets… but not ourselves. That ends today.
If you’re tired of GoFundMe funerals and money stress, this conversation will change how you see insurance forever.

In this powerful New Year episode of Speak Harmony, a married, faith-based financial duo breaks down *modern life insurance, living benefits, long-term care, and legacy planning* in simple, practical language. You’ll learn how to protect your family, reduce stress, and start building generational wealth—whether you’re single, married, a parent, or a grandparent.

What you’ll learn:
Why NEW life insurance is no longer “just for death” (living benefits explained)
How age and health really affect your coverage and cost
The truth about GoFundMe funerals and how to avoid them
Long-term care basics: nursing homes, home care and who pays
How to start policies for kids and grandkids to pay for college and beyond
How the wealthy use insurance and trusts to build family legacies
Why our community wears wealth instead of building it—and how to shift
The difference between a will and a real estate plan (and why probate hurts families)
Tax-smart strategies for 401(k)s, retirement accounts and pensions
Faith, service and money: how to align your finances with your values

Who this video is for:
Single parents who want their kids protected
Couples who want to build a real legacy, not just bills
Grandparents thinking about college and future generations
Anyone confused or skeptical about life insurance and retirement
People of faith who want holistic, values-based money guidance

If you’ve ever thought, “I’ll get insurance later” or “I can’t afford it,” this episode will give you the education, language and motivation to finally act.

▶️ Watch to the end for mindset shifts, practical examples and a hopeful, empowering approach to money, health and legacy.

If this helped you, please LIKE, SUBSCRIBE, and SHARE this with someone you love. Your next decision could change your family’s future.

00:00 Welcome to 2026: Gratitude, Faith & New Beginnings
02:05 Cuddle Up, Cookies & Beans: Warming Up the Conversation
05:10 Meet the Power Couple: Faith, Service & 40 Years of Marriage
08:02 From NICU Crisis to Calling: How Serving the Deaf Community Began
11:45 Why They Chose Insurance & Retirement as Their Mission Field
14:30 Modern Life Insurance 101: Not Just About Death Anymore
18:05 Living Benefits & Long-Term Care: Getting Help While You’re Alive
21:40 Start Young, Start Healthy: The Real Cost of Waiting
25:10 Our Community & Money: Wearing Wealth vs Building Wealth
29:00 Free Education, No Pressure: How They Actually Work With Families
33:15 GoFundMe Funerals & Hard Truths: Why Planning Matters
37:40 Rethinking Retirement: 401(k)s, Taxes and Creating Your Own Pension
41:30 How the Wealthy Use Insurance & Trusts to Build Legacy
45:05 Breaking Generational Cycles: Mindset, Habits and Faith
49:10 A Call to Action: No Family Left Behind in 2026

#speakharmony #apapmedia #GoFundMefuneralalternatives #livingbenefitslifeinsurance