This is the White Code Investor Podcast, where we help those who wear the White Code get a fair shake on Wall Street.

We've been helping doctors and other high-income professionals stop doing dumb things with their money since 2011.

This is White Code Investor Podcast No. 273, tax credits and passive versus actively managed funds.

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Welcome back to the podcast. Thanks for what you do out there. I know it's not always easy. I was in the ED last night.

Let's see, we're recording this. What is today? July 6th, that's going to run on July 28th.

I was in the ED last night. Had a patient bent over backwards, really pulled in some favors with a consultant and hospitalist to get them taken care of.

And then they alloped from the ED because I couldn't tell him what time the procedure was going to be the next day.

I don't know you guys deal with that sort of stuff all the time. And it's not easy to put up with that sort of stuff.

So thanks for what you do out there. Nobody said thank you today. Let me be the first.

All right, let's start with some me a culpa here. So I got this wrong.

We had a podcast a while back about where we talked a little bit about asset protection on cars.

And we also talked about tenants by the entirety title and it turns out that in some states, you can do that on your car.

You can title your car as tenants by the entirety. And the beautiful thing about that, of course, is that if only one of you were sued, then they can't take the car.

So if you have a really valuable car, you got a $400,000 Ferrari or something, you know, you could kind of protect it that way.

The problem is that cars are mostly a liability. They're toxic asset. In fact, if you look at umbrella insurance, 80% of the claims for umbrella insurance are auto related.

So when you put both of your names on that car, that actually can bring additional liability there.

So you may not want to do tenants by the entirety on your cars. And I got a couple of emails about that from people in Florida who are basically saying maybe don't do your cars as tenants by the entirety.

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