Thank you so much for your responses! My friend is very appreciative of them. He doesn't know when he can get back to the house because Palisade is still under lock-down, which is a good thing because it gives him some time to think over things and research. I will post later if he has more questions. If anyone else has more feedback or advice, please kindly share. It may help others to prepare for such increasingly common events. I have learned a lot during the process. One of the biggest learning is that I'm so grateful for index funds, where most of my money sit.