Three years later, the farm is no longer as profitable as it once was. Sally, now widowed, is having a difficult time maintaining the daily operations of the farm. Her son helps but it is obvious that he is not interested in taking full responsibility. Sally would like to make a change while she is still in good health.

Attitude: This may be a sensitive topic if the son feels emotionally tied to the farm where he grew up.

Preparation: Sally should be knowledgeable about all the farm's income and expenses for the last few years so she can make the case that the farm is losing money.

Timing: Sally should initiate this conversation while she is still healthy and able to manage her finances.

Behavior: Sally should be sure to communicate about what she wants and will need in order to live comfortably.