Teresa Camacho was hollowed-out and terrified when she learned in July that her husband of 25 years had mere months to live as cancer took over his liver, head and spine. She also realized she was ill-equipped to deal with the fallout. Her doctor asked if the couple had living wills. They didn’t. They were both only 46. It hadn’t occurred to them that they’d need living wills. Her doctor asked if they had medical power of attorney so Teresa could make Ray’s medical decisions if necessary. They didn’t know the first thing about getting it.