Estate Planning

A woman's husband dies. He had $30,000 to his name.



After everything is done at the funeral home and cemetery, she tells her closest friend that there is none of the $30,000 left.



The friend says, "How can that be?"



The widow says, "Well, the funeral cost was $6,500. And, of course, I made donation to the church - that was $500. I spent another $500 for the wake, food and drinks, you know. The rest went for the memorial stone."



The friend says, "$22,500 for the memorial stone? My Gosh, how big is it?"



The widow says, "Three carats....."