That's probably the last thing you feel like doing. You're numb inside. You just want someone else to take charge and make the decisions for you while you grieve. But don't shut down. Just a few moves now will really pay off.

Here are six steps to help you get going:

Step 1: Take it slow
It's easy to feel pushed to make money decisions quickly. Don't. This is one time when procrastinating can help you.

If you've suddenly received a large sum of life-insurance money from your husband's policy, refrain from investing it for at least six months. But don't stash the money under your mattress, either. Instead, put the cash in a money-market fund, short-term certificates of deposit (CDs) or Treasury bills. These vehicles are far too conservative over the long run, but they do offer a safe place until you are ready to make choices with a clear mind.

Step 2: Don't fall for hot tips

You'll be swamped with money advice from all sides. Some of it will be well intentioned. But just because an investment worked for Uncle Steve doesn't mean it's right for you. Pass on it until you have time to do your own research.