Yesterday, we took a hard look at how adult children can unknowingly drain your nest egg. But what happens after you’re gone? If you haven’t taken control of your estate plan, the answer could be chaos—and a judge deciding what happens to everything you’ve built.

Too many retirees assume a simple will is enough. It’s not. Without the right tools—like trusts, powers of attorney, and beneficiary designations—your estate could get tied up in court for months or even years. That means more legal fees, more stress for your loved ones, and more chances your wishes get ignored.

The elites never leave this to chance. They use legal frameworks to pass on wealth quietly, privately, and exactly how they intend—while shielding their heirs from taxes, creditors, and courtroom vultures. And guess what? You can too.

A smart estate plan isn’t just for the rich—it’s for anyone who wants to protect what they’ve earned, take care of the people they love, and ensure their legacy doesn’t get picked apart after they’re gone.

Tomorrow, we pivot to a new topic: how to spot scams targeting retirees—from fake charities to phishing calls—and defend yourself before it’s too late.