Money plays a role in so many of the decisions we make, yet it remains one of the last true taboos in American life. Despite its importance, 62% of people say they don’t talk about money at all—not with family, not with friends and in nearly half of cases, not even with their spouse or partner. In fact, most Americans feel more comfortable discussing politics, religion or even the details of their love lives than their bank accounts.

Review your legacy approach regularly, particularly following significant life events or legislative updates.

If you’re a business owner, you’ll eventually step away from the company you’ve built. You might cash out to the highest bidder or work out a deal to sell the business to the next generation of your family or even to employees. The question is will you be able to make this transition on your own terms? The reality is that most business owners don’t have a clear, documented exit plan. And if you find yourself among them, you could find it leaves you in a tight spot when it’s time for you to step down.