estate planning. Very big. Yes. When we talk about wills and we talk about putting beneficiaries

doing things, things that nature, what are some things that life insurance, stuff like that,

what are some things that people need to be aware when developing their estate plan?

So when it comes to your state plan, I want you to think about a will, potentially a trust, and beneficiaries.

Those are like the core components. So a will is like the bare bones. You don't necessarily,

if you're 25 years old, you ain't got no kids, you've got nothing, you don't necessarily need a will, right?

Well, let's start even before that, beneficiaries, right? So no matter what what even if you're 21 years old you

got a bank account you got an estate you got life insurance you have an estate you know so put

your mama your cousin your best friend your sister your brother as a beneficiary on your bank

account on your life insurance policy if you have one um That way, if something should happen to you,

that is what a state planning looks like when you really don't have much,

but it's still something.

But you want to be mindful because if someone is a beneficiary on your bank account,

let's just say you put them on when you're 25, your sister,

and then at 35 you got kids and a significant other.

And you have a will and all of other stuff.

But you never updated that form.

If something should happen to you,

what's on your beneficiaries form trumps everything else.

It doesn't matter what's in your will or your trust.

So that's really important.

I remember like, so my husband, when I met him he had a daughter already she was seven

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