(CNN) - 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.
That's when his wife got the call.
"They were surprised he made it to the hospital alive, because his injuries were so severe," Chanel Reynolds said.
A van plowed into her husband. He died a week later.
"I was standing in the ICU, and we had only been there for a day, and I turned to my friend and said to her, 'Oh, my God. I don't have my (expletive) together at all.'"
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"We had a life insurance policy that was very helpful, but outdated," she said. "We had no emergency funds. We had a will and a living will that were drafted but not signed."
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," she said.
She calls it GetYourShitTogether.org.
"It was really a terrifying thought not to know what was going to happen and realize I didn't have my (expletive) together at all."
Thousands have downloaded the documents and checklist Reynolds wishes she'd had before her husband's death.
Is she a financial expert? No, but the financial lessons she learned about life and death could save you from a lot of (expletive).