When Is the Best Time to Begin Planning Your Funeral?

You plan birthdays, weddings, and anniversaries. But death is one of life’s major milestones that none of us look forward to. Thinking about it is uncomfortable for many of us. And it can feel so far away. So why worry about your funeral service now? You’ll plan when you’re older, you think. You’ll plan when you get sick. You’ll plan when you have more money in savings.


But the problem with waiting too long to get your affairs in order is that none of us know what the future holds. Do you really want to deal with planning a funeral while you’re working through the emotions of a terminal diagnosis? Do you want to risk leaving your grieving family with a pile of decisions after you’re gone? 

Making arrangements in advance gives you peace of mind and ensures your loved ones aren’t left with stressful decisions during a painful time. By handling the details today, you can take your time, make thoughtful choices, and protect your family from both confusion and financial strain.

Here are a few common reasons people delay funeral planning—and why today is the best time to begin.

Close-up of a hand writing in a planner or journal with a pen, symbolizing thoughtful preparation and preplanning of funeral services.

I'm Healthy, So Why Plan Now?

It’s easy to think funeral planning can wait until you’re older or facing illness. But none of us can predict the future. When arrangements are delayed, families often must make rushed decisions in the midst of grief, with little idea of what their loved one would have wanted.


Planning now—while you’re healthy and clear-minded—removes that burden from your family. It gives you the space to reflect on your values and create a service that truly reflects your life. And once the details are in place, you won’t have to worry about it again; your plans will be secure at the funeral home for when the time comes. 

I'll Just Let My Family Handle It

Many people assume loved ones will simply know what to do. But when the time comes, grief can make even small decisions overwhelming. Should there be a religious service? What music would be meaningful? How much should we spend? What funeral director do we call? Is there a funeral insurance plan in place or do we need to crowdfund this?


Even with the best intentions, family members sometimes disagree or second-guess their choices, adding stress on top of sorrow. By planning ahead, you spare them from that pressure. Your wishes are clear, and your family can focus on supporting one another and remembering your life—rather than debating details.

Isn't It Expensive

Funerals can be a significant expense, but planning in advance helps you manage those costs wisely. Preplanning allows you to:


  • Lock in today’s prices, protecting against future increases.
  • Choose payment options that fit your budget.
  • Ensure funds are set aside so your family isn’t left scrambling.


Without a plan, families may face funeral costs, sometimes while also managing medical bills or other end-of-life expenses. By handling the financial side yourself with a prepaid funeral, you relieve your loved ones of that burden and give them peace of mind.

The Gift of Time and Meaning

When you plan in advance, you’re not just taking care of logistics. You’re creating an opportunity to make your funeral meaningful. You can consider what’s important to you:


  • Would you prefer a traditional or unique service?
  • Are there songs, readings, or traditions you’d like included?
  • How do you want your story to be told?


You can also involve close friends and family in these conversations. Talking openly about your wishes can bring comfort and help your loved ones feel confident that the service will reflect your life and personality.

The Best Time to Plan Your Funeral is Now

It’s natural to put off funeral planning, but beginning now means you can make decisions calmly, protect your family from stress, and take control of the financial details. Far from being morbid, preplanning is a thoughtful and loving act.


By starting today, you ensure your wishes are honored and your loved ones are spared from difficult choices during a time of grief.

If you’re ready to begin, Horan & McConaty’s preplanning specialists are here to help guide you every step of the way. Reach out today at (303) 745-4418 to start creating a plan that gives you and your family lasting peace of mind.