Jose Hernando was a silly loving dad and husband, an avid racing cyclist who went for a ride in Seattle's Seward Park, four years ago this month.
That's when his wife got the call. "They were surprised he made it to the hospital alive because his injuries were so severe," website founder Chanel Reynolds said.
A van plowed into Reynolds' husband and he died a week later.
"I was standing in the ICU, and we had only been there for about a day, and I turned to my friend and said to her, 'Oh, my God. I don't have my sh*t together at all." Reynolds said.
Reynolds brain buzzed with all the things she didn't know or have: passwords, documents, account details.
"We had a life insurance policy that was very, very helpful but outdated. We had no emergency funds. We had a will and a living will that were drafted but not signed," Reynolds said.
Reynolds launched a website to help others one accident or illness away from financial despair.
"Writing down details for accounts and passwords would have saved me, if not tens of hours, maybe hundreds of hours trying to track stuff down," Reynolds said.
"It was a really terrifying thought for me not to know what was going to happen and to realize I didn't have my sh*t together at all," Reynolds said.
Thousands have downloaded the documents and checklist Reynolds wishes she'd had before her husband's death.
She is not a financial expert, but the lessons she learned about life and death could save you from a lot of "blank."