Widowed Before 40 and Coping With the Financial Consequences

It was April 10, 2018, and Colin Brougham hadn’t sent his usual text to his wife that he was biking home. Instead, he lay dead a few blocks away after a commuter train struck him. “I knew he was dead before I knew he was dead,” recalled Rachel Brougham, his widow. “My son and I went to the scene, and when I was told it was him, I screamed so loud I think all of Minneapolis heard me.” Brougham was only 39. Sign up for The Morning newsletter from the New York Times “My life as I knew it changed in

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