A Note to My Readers

Hi there — I’m Miriam, and I’m so glad you’re here.

I created this blog because financial preparedness has become more than just an interest—it’s a mission I deeply care about. Especially for single parents and caregivers like me, preparing for the unexpected can feel overwhelming, lonely, or simply out of reach.

Let’s be honest—this isn’t a “fun” topic. When you’re managing life solo, financial preparedness is one more task in an already exhausting list. But I want to invite you to pause and ask yourself:

💭 Am I prepared for a sudden emergency or unexpected expense?
💭 What would happen to my child if something happened to me?
💭 Who would step in—and how?

These are uncomfortable questions. But they’re necessary. And the good news is, they don’t have to be dark or intimidating.

I believe that knowledge only becomes power when we act on it. We all know things. But it’s how we use that knowledge to build better habits, make smarter choices, and protect the people we love—that’s what truly matters.

Have an Umbrella is here to help you take those steps. It’s about building peace of mind in three key areas of financial preparedness:

• Emergency & Rainy Day Savings – so you’re not caught off guard.

• Life Insurance Planning – to provide security for the ones you love.

• Estate Planning – to make sure your wishes are known and respected.

You’ll find no judgment here—just real guidance from someone who’s been there and is still figuring it out too. This is where we make space to learn, plan, and act on what really matters. Together, we’ll create the kind of calm confidence that comes from being ready.

Let’s walk this journey side by side—one smart step at a time.

Sing in the rain,

Miriam