Can you tell us a little bit more about your thoughts on leaving assets in a trust versus not versus simply relying on a will, et cetera? Beneficiary designations versus a trust is a big question. And what I mean by this is a lot of times people will put like beneficiary designations on everything from their house to their cars, to their bank accounts, to their brokerage, to the everything.

And that's fine. That's a great way to make sure that we keep things out of probate. That's why they do that. But I've been doing this for about 15 years now, and I've just seen so many situations in that beneficiary designations like that have gone wrong. So doing that kind of operation beneficiary designation like everything really only works like super, super well when there's one beneficiary.

It should work just fine and dandy for that kind of situation. But if we have more than one beneficiary, if we have anything unique, or if we have any like very specific wishes and how that beneficiary inherits, like maybe we want to stretch their inheritance out a few years because they're not the world's best with money.

Or maybe we have a beneficiary that has an addiction or maybe we have a beneficiary or maybe we have a beneficiary that has an addiction or something like that going on. I've seen where say a house has gone to two kids, the two kids couldn't agree to what happened with the house after their parent passed away.

I think it just emphasizes how important it is to not be so laser focused with one thing, like I'm going to put beneficiaries on everything to avoid probate. Not be so laser focused on one thing and forget the risks or maybe the cons that come with that one thing.

I've just seen a lot of things go wrong. So I'd caution people before they just beneficiary designate everything to make sure that that is truly what is appropriate for them. Thank you. you you you you