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On Your Own: A Widow's Passage to Emotional & Financial Well-Being 4th Edition

3 customer reviews
ISBN-13: 978-0978714802
ISBN-10: 0978714806
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Editorial Reviews


"On Your Own confronts the subject with intelligence and compassion. From facing your initial reactions through rebuilding your life, the authors deal with difficult issues clearly and realistically. This is a thoughtful and reliable book to help anyone through the shock and confusion of widowhood." -- Modern Maturity

"On Your Own is more than a financial planning guide. It is also a guide for surviving the emotional rite of passage that surviving spouses must endure. On Your Own is a sensitive and practical work about a necessary but painful period in the life of a widow. Widowers should read it also." -- Bureau of National Affairs

"For all who have asked `What do I do now?' or `Who can help me...?' I recommend On Your Own. Like earlier editions, this is a sensitive and insightful resource for those who have recently experienced (or are preparing to experience) the loss of a spouse. In a highly readable and usable style, the authors lead the reader through important topics often thought to be too intimidating or too confusing for someone wrought with fear and sadness." -- Edward Jay Beckwith

"Help in coping. Here are some places to look for help in getting on with life...On Your Own...practical information on health insurance, estate planning and benefits programs." -- US News & World Report

"If someone you care about is widowed, don't send flowers--send this book!" -- Terry Savage, Author and Columnist Chicago Sun-Times

From the Publisher

On Your Own Does Not Mean All Alone

The loss of your husband is likely to be the most traumatic event of your life. You did not choose this painful passage, and chances are you are overwhelmed by the events you now have to face.

In the third edition of this bestselling classic, you will be taken through a series of steps, each designed to help you cope with the psychological and financial issues of widowhood. The book shows you how to respond to the grief you are feeling and move on to reach a state of emotional and financial well-being. Authors Alexandra Armstrong, Certified Financial Planner, and Dr. Mary Donahue, psychologist, firmly believe that there is a connection between your financial and psychological recovery. From mourning through recovery, they will show you how to:

* React to your loss.
* Deal with your emotional needs.
* Develop a psychological and financial support group.
* Organize your finances.
* Develop a budget that works for you.
* Develop a long-term financial plan.
* Protect your assets.
* Start over by moving on.

By sharing the stories of four widows, On Your Own will help you identify factors in your own life that will likely play a role as you move through the various stages of grief. You will probably recognize yourself in one or more of these women. These profiles, combined with the advice, checklists, and worksheets included in On Your Own, will guide you through this very difficult time, as you start your new lifeon your own.

Praise for the previous edition:

"From facing your initial reactions through rebuilding your life, the authors deal with difficult issues clearly and realistically. This is a thoughtful and reliable book to help anyone through the shock and confusion of widowhood." --Modern Maturity --This text refers to an out of print or unavailable edition of this title.


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Product Details

  • Paperback: 440 pages
  • Publisher: Armstrong, Fleming, & Moore, Inc.; 4 edition (September 11, 2006)
  • Language: English
  • ISBN-10: 0978714806
  • ISBN-13: 978-0978714802
  • Product Dimensions: 6 x 1 x 9 inches
  • Shipping Weight: 1.4 pounds
  • Average Customer Review: 5.0 out of 5 stars  See all reviews (3 customer reviews)
  • Amazon Best Sellers Rank: #2,192,398 in Books (See Top 100 in Books)

Customer Reviews

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Most Helpful Customer Reviews

3 of 3 people found the following review helpful By Matthew P. Jarvis on August 29, 2007
Verified Purchase
"On Your Own" is a well written, very informative book. The authors are able to cover specific financial, legal and emotional issues without being too wordy or losing the average reader in technical jargon. The content is applicable to widows of all ages and financial situations.

I keep multiple copies in my office as gifts for any recently widowed individuals I meet.
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3 of 4 people found the following review helpful By Artephius (. VINE VOICE on November 1, 2009
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I am a male, full-time engineer and part-time financial planner. I bought this book because I am helping a 2nd widow get her financial house in order (first widow was my mother-in-law, 2nd is my mother). I plan on becoming a full time financial planner as soon as I retire from my engineering job, and thought this book might be helpful for understanding the way widows think (since the book is written by two women).

I found the book covered pretty much the subjects I have already encountered helping two widows get their financial house in order. In both of my two cases, the women were both surprised at the large amount of paperwork that needs to be completed.....and the book mentions this as well.

One thing I was personally not that familiar with is the probate process. The first widow I helped did not have to go through probate. The assets were jointly owned with rights of survivorship and probate was not required. The 2nd case does require probate because land in the husband's name only is involved. I am just getting familiar with the probate process.......the first document the court issues is a Letters of Appointment specifying the widow is the executor. The book covers this point well.

The book recommends the widow have at least 1 times (1X) net worth as an umbrella insurance policy. Most financial planning guidelines recommend between 1X and 2X times net worth for the umbrella policy. Umbrella policies are so relatively cheap; I recommend the 2X net worth guideline.

The book gives a guideline of being in at least the 28% tax bracket before considering municipal bonds as an investment. In general, municipal bonds or municipal bond funds are for people in higher tax brackets.
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1 of 1 people found the following review helpful By Trisha Miller on March 8, 2012
"On Your Own; A Widow's Passage to Emotional and Financial Well-Being" is a fantastic book to help women through what may be the most challenging transition of their lives. It is by far the best resource available to counsel women in two of the most critical aspects of losing their to make financial decisions on your own and how the emotional trauma can be channelized properly to emerge a stronger, smarter and financially sound woman.

I have given this book to many women I know who have lost their husbands and every one of them have said that it was a tremendous help! Unfortunately I am now in the position of giving it to my step-mother due to my father's passing. I am confident that it will help her as much if not more than my own personal counsel can help her.

Make sure every woman you know who goes through this experience knows about this book!
Trisha Miller, CFP
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