You’ve made it to the end of your divorce journey, and you are ready for a fresh start. Congratulations! Your new, post-divorce estate plan is an integral part of the new life you are creating, and it is a critical final step in the process of untangling your life from that of your ex. Here are five things to keep in mind when planning your estate after divorce.

During this transition between deciding to end your marriage and the finalization of your divorce, not having an estate plan—or not updating a plan you created with your spouse—can prove especially risky.

I’m inviting you to “the most important and costly conversation America isn’t having”—the conversation about how we want to die. You see, while 75% of Americans say they want to die at home, only 25% of us do. End-of-life care can be incredibly expensive and can bankrupt estates and families. Something needs to change—and change starts with awareness. So, I’m challenging you to dedicate the conversation over one dinner (or happy hour, or nightcap) to the question of how you want to die.