Good for you preparing as you have. I am so sorry about your father. This is a good message to heed. My daughter's dad left her a mess when he died suddenly. But, he was 63 and should have been more diligent. It's still hanging over her head 6 years later.

https://hklarajane.medium.com/my-daughters-father-died-and-left-her-in-half-a-million-dollar-debt-partii-69f5ea8e68d4