Death and How to Plan for the Inevitable
This episode of Motley Fool answers is brought to you by molecule molecules reimagining the future of clean air starting with the air purifier for seventy five dollars off your first order visit M. O. L. E. K. U.. L. E. DOT COM and enter the Promo Code. Fool seventy. I Five Motley fool answers. I'm out in south and joined is always by Roberto. Campo personal finance says dummy. Oh all right is this in this episode is our final in the series on major life events and I mean really final molly fil wealth planners is Megan Richfield and John Gates join us to talk about planning for death all that and more on this week's episode of Mali points so bro what's up what else and guess what I have three things for you right number. One party like it's nineteen thirty eight so you may remember from our may seventh episode. I said party like it's nineteen eighty-seven because the performance of the S&P five hundred from January two April was the best since nineteen eighty-seven but then came may which was the Pooper at the Party S. and P.. five-hundred was down six point five percent but then June came oh instead. Let's get this party restarted and tell me how did Michael Rates Popularity Nineteen fifty four what's that from we're dealing with other show and she just talked for our on how different and then in nineteen forty two three hundred fifty eight Ezekiel minute comeback no and we will do I was just crying is laughing so hard and she just kept going. Yes going. I remember anyways so June this past you five hundred returned six point nine percent. It was the best June since one thousand nine hundred eighty five but the Dow return seven point two percent the best June for the Dow since one thousand nine hundred thirty eight so pretty amazing June also means that where he reached the midpoint of the year so halfway through the S. and P. five-hundred turned eighteen point four percents best I six months since nineteen ninety-seven but it's not just the five hundred small caps mid-caps international stocks bonds were up six point one percent so this is only the ten times nineteen eighty they both stocks and bonds or up more than five percent in the first half the year oil is up twenty five percent gold at a six year high lead one Reuters writer to say this is the best first half for financial markets ever. It's just been extraordinarily good year but to be any kind of off alizer adviser here not a whole lot of authorizing. That's it just a good year to be invested in fact there's even more good news which leads me to number two and that is longest expansion ever so this mark month marks one hundred twenty first month of the current recovery which began in June of two thousand nine that surpasses the hundred twenty month expansion that happened from the nineties and with DOT COM crash this makes it the longest economic expansion on record record starting eighteen fifty four that said the its strength is not matched by its length so in terms of how much it's grown G._D._p.. Has Grown about twenty four percent or so less than half of the expansion of the nineties and <hes> the the strongest expansion in the sixties where the mark they G._D._p.. Grew over fifty percent so still very impressive though that it has gone on as long as it has that said there are some concerns that it's beating out a little bit which is why the Fed has hinted that it may actually cut rates that said about the bond market is not waiting interest rates have been going down at some point earlier in July the ten year treasury fell below two percent for the first time to since two two thousand sixteen the drop interest rates is part of what has fueled the surge in the stock market as well as the bond market 'cause when rights go down bonds go up so generally in the short term it's good the only thing that is not so good about that is that we're already starting you see the yields on savings accounts go down Goldman Sachs with its marcus account. Ally Bank has already started blowing the rates on their cash accounts so you may want to lack in some of these quote unquote higher rates not very high but by getting a one year to year C._D.. Because I do expect the rates and savings account to go down. That's number two number three totally different topic battling loneliness with benches in Britain so social isolation is actually a significant health issue according to A._A._R._p.. Can have the same impact is smoking looking fifteen cigarettes a day. Oh because it can lead to hire more heart disease high blood pressure even dementia. The American Psychological Association says that up to forty percent of Americans over the age forty five suffer from chronic loneliness. Oh no this sad but people all of any age compete feel lonely so the jolly folks in the United Kingdom have decided to combat this by naming a minister of loneliness something we mentioned about a year ago on the show but there's even a more recent <hes> initiative that read about an England that is the establishment of chat benches basically putting benches in parks with a sign that says something along the lines of the happy to chat bench sit here. If you don't mind someone stopping by to say hello yeah so according to an article on Mental floss Dot Com for people who feel isolated in their daily lives the benches aren't opportunity make connection with someone new and they also give people who want to help the lonely members of their community away to do so one of the towns in England that's doing this is called Behrmann see so the Berna Muncie police community support officer Tracy Grobler said the science simply helps break down the invisible social barriers that exists between strangers who find themselves sharing commonplace simply stopping by say hello to someone at the chat bench could make a huge difference to the vulnerable people in our communities and help help them make their life a little bit better so reading this article led me to another mental floss article about the increase <hes> amount of multi generational playgrounds or even playgrounds geared towards older folks with like ellipticals and and Dan Stationary bikes same sort of intention partially exercise with party to get people out get social. which is this love because hopefully soon in the future? I won't be the only person overcharge year old swing and swings things because I love swings. I can't do it anymore. I get nauseous. I love it. I Love jumping-off swings. I love doing backflips offerings. Love it anyways fifty remember that don't tell anyone and that else what's up here. Swinging days almost <music> over this episode of multiple answers is brought to you by molecule molecule has introduced a breakthrough science that is finally capable of destroying air pollutants at a molecular level through molecules reinvented air purifier molecule doesn't just collect elect air pollutants it destroys them this includes viruses bacteria gashes chemicals and mold when you turn on molecule. You're creating the purest air possible combating allergy season by destroying them in your home allergens that is molecule is easy to use and also has a clean sleek modern design. I have lost count of how many people here at the full have bought a molecule because we suffer here so much from allergies and mold and all that bad stuff here in Virginia and full swear by their molecule for seventy seventy five dollars off your first order visit m L. E. K. U.. L. E. DOT com and entered the Promo code full seventy five. That's M. O.. L. E. K. U.. L. E. DOT COM and Promo Code four seventy five seasons aw songs well this is it the last in our series on major financial events and how to tackle them with the help of Motley fool wealth management the planners sister company here we go today we have Megan Richfield and Sean Gates and you guys are GonNa talk to us about death this. Yes not much else to save about it. It's time to talk about not only about how to prepare for it yourself but how to help those around you and a little bit about how to <hes> I don't know it's just all this just all so much and tough and emotional and financial all the same time so let's just get into it. Shall we all right so I we're gonNA talk about yourself and how to prepare yourself for death and it's all about those financial documents isn't that right Megan absolutely so we talked to people quite frequently involved just having this area kind of buttoned up and it's one of those things people put off forever because they don't WanNa think about their own death. I mean imagine that <hes> but it's something that's so important figuring out for the people left behind what you want to happen to all these assets because if you think about not doing that like what's the alternative year just like I'm leaving. I'm dead. I'm not gonNA care anymore right but the people left behind then have to deal with two big burdens one is the fact that you're out there and the second is they don't know what you wanted to happen. All these things so the big three documents are having a will a medical directive and a power of attorney and then if you have particular feelings about out <hes> being resuscitated having D._n._R.. On file is really helpful <hes> we can get into specifics. I don't know if Sean How's stuffed add there. I just wanted to jump in with a story from client and it's not exactly related slated to the will and the medical directive but <hes> this was more trust work which is another set of documents that you can have in place to kind of distribute your assets and there's some other benefits but mostly distribute assets and in this case. I think it's relevant to know that at least from my experience death seems to happen quicker than most people expect so I think when you get at death's door you might think that it's a slower process because you WANNA fight it. You WanNa be optimistic about what's happening but <HES> I had a client who was diagnosed with cancer and <hes> the prospects on the initial treatment looked good so we kind of delayed implementing some things <hes> she was in the process of getting remarried <hes> and so. <hes> all of these things kind of just kept getting pushed back and she passed suddenly and the documents weren't quite in the way that we had hoped now luckily we were able to adjust some of the beneficiary information on her more more named accounts but <hes> the trust documents weren't quite there and the amount of effort that we had to go through to actually get the assets distributed in the way that she wanted was tremendous. <hes> normally a trust document you have of to name successor trustees and in order to get a successor trustee named you have to notify every beneficiary of your trust document and in some cases that could be a hundred people it could be several charities and getting a hold of the charities is very difficult <hes> and so it's just a huge process and something I wanted to alert people to <hes> so that they're paying attention to it yet and I mean one of the reasons that I am here. Talking about death is because of a personal personal experience that my dad died last year and <hes> he did have a d._N._R.. In place and about a year and a half before he actually passed he had a real scare and the D._N._R.. That he had on file was a copy not the original and so they didn't honor it and then we went down to the next path so he's in the hospital you know with resuscitation procedures and the medical directive is in a lawyer's office somewhere so you know I'm supposed to be the person making decisions and the person that's actually being called is like my brother who hasn't been in the picture for awhile so I think those types of things like it sounds really easy like I'm going to do this document and I'm GonNa put it in a safe somewhere but it's important to have it actually accessible by the people that need it very quickly. It's crazy that you have to have like the actor. What do you mean by? The actual document like did have to be notarized. They had to hold up to the light until that it was actual inc like you couldn't yeah this is really surprising to me that like <hes> the E._M._T.'s when they came to <hes> take my dad to the hospital they check like is there a d._n._R.. On file and I don't know what they did to say like this is a copy. This isn't the original or you know everyone. When you're in like a nursing home facility you have these big binders full of paperwork and it's like up to the person that's on call at the time to kind of flip through and find the right thing so it's just a matter of like even if you have everything lined up which a lot of people don't even have these basic documents but when you do make sure your <hes> checking on them periodically especially if you're handing them off to another party? That's going to be responsible at the point. They're needed. I let's move onto beneficiaries right so <hes> inspired by this event somewhat I I personally did a beneficiary review of my accounts and one of the things that I think a lot of people forget is your beneficiary designations. Resignations are going to trump anything that you have in your will <hes> and that's true mainly for retirement accounts but could also be true for like annuities <hes> really anything that you're naming a beneficiary that is going to be what happens and and then for taxable accounts you can actually set up <hes> beneficiaries through titling so if you have a joint account with right of survivorship that is a title that prevents you from going through probate and and <hes> accelerates the passage of that asset to the other <hes> named party on the account. There's also what's called a transfer on death or pay on death designation that you can go through for taxable brokerage accounts <hes> and doing that that can really expedite <hes> passing assets after your death and something that's been in the news a lot lately is social media accounts and what do you do when someone you care about has passed on their social. Media accounts live on Yeah Yeah. This is such a big issue and it's one of those things where the companies themselves are kind of in a bind because they can't violate your privacy rules and say like Oh so and so has passed like here's their whole email history <hes> so now what's being done you a little bit more intention <hes> around this from companies so facebook in particular has kind of this memorial account that you can set up you can never you're not supposed to I should say <hes> log into someone else's count <hes> without them there <hes> so you can't actually gain access to you know your relatives account facebook account after they pass you can only set up like this memorial account and be <music> Adleman of it and then for g mail. They're not just giving access to g mail. You can set these rules that say like if I'm inactive certain period of time like assume I'm gone and it will notify someone that you set up as a trusted contact <hes> but even then you have to be pretty explicit about what you want them to be able to access so once you get some forms in place and these things I imagine you should talk a lot to people about what you want. Yeah just throw a party. I actually don't have snacks drinks. Everything will go down better surprise yeah yeah so if you think about <hes> you know in all of this we've talked about what do you want to happen to your assets and things <hes> but we haven't really talked about what you want to happen to your physical body. <hes> and there are more options than you might think <hes> <hes> so a lot of people <hes> think like okay I need to be buried or cremated and kind of end at that <hes> and one option that <hes> I was made aware of is body donation or body bequeath oil so you could actually if you want to donate your body to science <hes> register with a university that has a medical school and they will accept your body and use it for scientific purposes and then <hes> depending on the school will they can <hes> send you the crew Maine's after they've completed the research but the purpose is really you're helping medical students learn more intricately about the body and could lead to scientific advances one interesting thing so I think they're my both of my parents wanted to donate their bodies to science because they just don't care about their physical form. I guess <hes> and they were not aware that you have to register ahead of time so you have to have a program to accept it <hes> and in most cases if you're a registering with the program that's local. There's no cost to the family of this program. <hes> in my dad's case he had to register for a program that was across the state line so you have to pay for transportation but it's still relatively cost effective compared to even cremation <hes> so for people who are are you know maybe just financially limited in terms of the choices that they have <hes> that could be a an option and then another consideration is just you in most cases cannot both be an organ donor and hand donate your body to science <hes> and that can cause some some discussion for sure so I I would just add <hes> when in talking about your final plans. I know we get to this a little bit later in the discussion but <hes> talking with more than just your family is super relevant and especially about you know how graceful you want to exit and what you might want to do to preserve it so in some of the cases with clients that idea with <hes> you know they're not ready to go so and so they will take extreme measures and this could be a financial burden so for example if you get cancer or some <hes> medical diagnosis perhaps you sign up for an experimental trial and it takes place in Mexico and so you cafe to travel to Mexico medical tourism is becoming a very large thing <hes> but most of those <hes> treatments are not covered by traditional insurance and so it puts a fairly significant strain on what already is potentially depleting asset base and those are just knock on affects of these conversations because then you might have talked to their family about what your financial situation looks like but then it changes dramatically in the last three months and so he should just make sure you're keeping everyone up to date about what you're willing to go through what you want to accomplish in the last moments it gives you are the type of person who have you haven't done all this yet and you need some other motivation. It really is a gift to your family to do a lot of this and to have these discussions because you wanted to have the discussions because if there's any disagreement about either who gets what or how your remains will be handled or any that you want that all worked out now because something I've personally seen as lot of disagreement men and a lot of issues after someone dies fights among the family members that go on for years that could have been resolved while the person was alive say like this is what I want to happen in this is why if you don't like it. Let's work that out now and that's all taken care of now yeah. I'm dealing with that personally now my dad he's not that old but he wants me to be the executor just because I'm a little bit more financially savvy <hes> and he has a particular set of distribution rules that he has in place and he talks to me about it but he doesn't talk to the other beneficiaries about it and like we should probably talk to them that doesn't want to so I have to basically break his trust and go talk to them directly because it's it's going to cause problems in the end if we don't so having those conversations nations pre-emptively is important for those who don't have a son that they can rely on. That's a professional wendy you call in a professional and when why should I'm up for adoption so we hear from a lot out of potential clients about the fact that they feel really comfortable managing their affairs while they're alive but worry about how their spouse might <hes> handle inheriting all these assets. Maybe they haven't been involved with management of might not know. What to do with and that's really a point where we get involved ahead of time? Someone might think you know way ahead of time and say well you know my dad died when he was seventy five and I'm seventy now so maybe I should get someone involved. I am particularly and I think Sean has been in this situation where people call because they've had a diagnosis for sure so it can be that extreme if you have a tight handle on your your own finances his <hes> but in a lot of cases. It's helpful to have an objective third party especially if you haven't had any of these conversations with your family <hes> that's another time where we're kind of brought in almost as a mediator for these conversations nations <hes> not just between spouses but between generations as well all right. Let's <hes> shift and talk a bit about what you can do. If you are carrying for someone who is in decline yeah I think this apply to more and more people we even have slack channel here at the full for people who know that yeah for parents are parents. <hes> so it's mainly aimed at the generation is taking care of their aging parents but there are also people that I know of in situations where they might have sibling <hes> who is just not as able to take care of themselves needs help <hes> but if you're on the situation where you're going to be a caregiver <hes> just keep in mind the <hes> that is not a small task. That's not something you can do after work sometimes <hes> particularly as someone is kind of in their last stages of decline at might require that you're there more kind of around the clock <hes> and said some important questions to consider from a financial perspective. Are you know what does your workplace allow in terms of flexibility for being able to you know maybe relocate and work remotely or work part time. <hes> does your employer offer. We're bereavement. Leave <hes> and you know that's ultimately kind of ended life but for you know that process where someone's really ill. Can you take family medical. Leave <hes> that's something that is required by law that you have up to twelve weeks of unpaid leave and you can come back to your job. <hes> but twelve weeks of unpaid leave for a lot of people is really a nonstarter you know going three months without receiving a paycheck and on top of that the emotional burden of being a caretaker and being there fulltime can really take toll and I don't think many people think through the consequences like obviously if you get a call that a loved one is you know declining you you most of the time WanNa drop everything be there <hes> and thinking through what the what the financial ramifications of that would be <hes> as a prudent cask yeah I would also. I think it could be easy for people listening to it has to be like well I I don't I'm not going to be a caregiver. Why do I care but you very easily could be a caregiver by default? <hes> so I mean a lot of people haven't put the plans in place and so if you're someone son or daughter or brother or sister Mr <hes> you might be the only person willing to give the time <hes> and so just these these rules should apply to everyone <hes> because you could be a caregiver. We'll say one of my friends just <hes> sent around her they will she wrote it herself. She wrote out a full program for her memorial service wow and was basically like the exactly as <hes> Robert mentioned. You know. This is my gift to you. I don't want you to have to worry about it. If I pass <hes> in the same email she nominated me as executor of state and also kind of like a proxy caregiver you know kind of just an intermediary as well and it's not a surprise to me but it <hes> may have been surprised to other people in family if she hadn't talked to them about it. He talked a little bit about the what an executor has to do like how much of a burden is that someone could be quite a lot of work they can and really it has the highest level tying up someone's affairs after they pass and making sure that all of their assets get distributed per their documentation so not necessarily per their wishes. If their wishes don't match the documentation you have to go by the documentation <hes> but it's a process that <hes> is very legal in nature so and it really depends on the amount of assets that someone had so. I guess technically I'm an executor for my dad but there's really nothing to distribute so that was a pretty easy process. <hes> the file tax return right if you <hes> so tax returns are not necessarily required heard at the <hes> the person themselves has to file month person themselves but did I. The dead person has like something the I._R._S. that has to file a final tax return <hes> if they had income that year are and then if you're a state is above a certain level than you would file an estate tax return <hes> so if you have very low income from the estate at similar to trust for a tax filing purposes <hes> that if the state has income less than three hundred fifty dollars you don't have to file a tax return but the estate files a tax return while it's in the process of distributing all the assets Oh. I hope no one ever asked me to be their executive right like I would know what to do. Okay yeah sure well it'll veer executor and then they're den then. I'm like well. I don't know what to do. Do I have to call up their their company. They're 4. Do I have to go and like do work with all of their accounts and brokerage and I got a call all of the file a tax return and all that yeah you gotta go through probate so like my mom still hasn't pervaded her mom's <hes> property. That's like out in Kansas because you have to go to probate Corden Kansas so ooh. That sounds horrible. It's like if you own a truck all your friends ask you to help them move and if you're the one financially savvy friend everyone asks you to be the executor at this point so we should say that any state planning we think should be done by qualified lied attorney right. There are some situations. I guess it's okay to go online and get the online was but for the most part I I recommend you get legal help and I would say that's probably the case for most people who are executors especially if the estate has any assets complicated all especially if there's property and multiple states there are people who will help you go through this process because I know I'm the I'm the executor for at least two estates and I certainly planning on getting help. If when that Tom COM executive that would be honored. I'M NOT GONNA ask you wouldn't streaky right. I mean even finding an estate. Planning attorney can be fairly daunting task because there are trust mills out there. I'm not saying that that's common but I mean you just there's all these decision trees that you have to go oh through another common thing that we get with clients as <hes> in terms of the executor is you have to provide the the death certificate and get this is one of those cases where it can't be a copy in most cases so you have to get the originally have twelve original copies as to be able to provide each institution. It's just it's a huge pain in the but yeah it really is and and and in most states the executor can be paid from the estate and sometimes I am a situation where someone's like. I feel I feel guilty. Doing that and I'm like you should not feel guilty because you are working very hard to settle this estate yet. I think I think Sean also has a story about kind of corporate trustees corporate executors <hes> and I think it's a really hard business to be in <hes>. I've seen a ton of articles recently about you know biggest dates where the beneficiaries are actually suing the corporate executor because they feel like the state it was mismanaged took too long to distribute wasn't distributed properly. They charge too much for the <hes> for the services so it can be really sticky and so if you don't have like a financially savvy friend you might. I just think I'll just hire company to do this but companies. Don't really have a strong incentive to do it because it's so messy yeah I had forgotten about that. <hes> so the in this case the the client had an attorney that they worked with <hes> and I kept kind of bothering them that they need to meet up with this attorney to get their documents in place and I said Oh no no don't worry about it. I have a corporate <hes> kind of relationship and process and I was like okay great and so it it was with <hes> Wells Fargo and <hes> it turns out when the eventuality came we went to wells Fargo and said you know hey who what are you doing and their response was A. We're not doing anything and we're or like why and response was the estate of this client isn't over two point five million dollars and we don't work with clients who don't have two point five dollars and that was it. I just shut the door so yeah. It's a pretty it cold world right. I Love Resources G recommend people go to for more for more advice and guidance yeah so I think one of the great resources which hasn't been mentioned yet is <hes> a letter from and we'll your retirement days and I think Robert should jump in on that yeah so we've mentioned on the show before but one of the very first earliest subscribers to retirement was bob has miller just a great guy <hes> and every year he wrote a letter to his wife. If who is not as as financially savvy she was very professionally successful but she just was not into all this stuff and he's he laid out. This is where all our documents are where our insurance policies are if you need any help these are the people talk to me updated it every year so that that she had something to work from. If something happened to him very tragically he was killed by accident when he was age seventy so his wife sue was able to access that document and so <hes> we publish it. It's part of time but we publish it for free full dot com you can find it. W._W._W.. Dot Full Dot com slash retirement slash letter dot A._s. p._X.. And provide the whole template because Bob actually wrote a couple of explanations of how he doesn't it's very helpful and just and I've been following it since you know for years years not exactly but even when I went on vacation <hes> a month ago I sent an email to my sister Los Angeles. I'm happens. This is where you go to find all the documents you need my will and all that stuff happens. You'll be happy happy to know. This is just <hes> sort of spread among full culture because I reviewed someone else's letter yeah another full came to me and was like I wrote the letter you know. Do you WANNA take a look at it and it was like I if if you you don't see it as an invasion of privacy yes I really want to read it part of it is just there's so much that you have all your accounts all your things and if something happen you would people know where to find it. I was talking to someone and he was it was a financial planner. He was saying someone he works with had a young kid in the family just casually mentioned that he had this account where he was trading like crypto currency and stuff like that but whatever like was the only mention of this account anywhere and unfortunately there's young person passed away but if didn't have that one mentioned they would've never known in existed and and and every financial services firm has all these basically dead accounts because someone passed away or forgot about them and no one this touch them for years of not decades and controversial take a little bit. These documents are really nice to have in place so often when I'm taking a call from customer because they're prompted to have US manage assets for the benefit of their spouse or loved one it always is interesting to me that they this partner of theirs. They view as almost unable to talk about it and like why don't we consider bringing them on the phone like let's loop them into the conversation. You've self certified that they are just desperately avoiding talking about finances but I think we should be more open to the idea of having people kind of uniform elite talk talk about finances both your husband and wife or partner <hes>. It doesn't have to be some third party because you deem the other partner do not want to do it and I think specifically what the topic of death the U._S. is unique in its avoidance of the topic whereas when we I've noticed when I talked to international clients or folks that have immigrated to the U._S.. They're like yeah when I kicked the bucket. Here's what's going to happen and dotted edited out. There's no shyness around the topic or much less us. I would say on average <hes> whereas in the U._S. There's this presumption that if we talk about death you must be wishing it upon the other person or something and so it's really avoided and we joked a little bit about like having a party to talk about like what you want to happen when you die but I don't actually see that as being like that far fetched of an idea I might actually plan one. I'll invite you all powerpoint. Presentation Charts and powerpoint kills a party ready. I found point we fun with it. In terms of other kind of resources. I'll put a <hes> sort of a pitch out there for book that I found really helpful full as a caretaker watching someone in their last days <hes> and it is called final gifts and it's a book that's been written by a couple of hospice nurses just about what to expect when someone someone is in their last days and <hes> things that sound really crazy. Aren't that crazy actually at that stage in life wonderful. Did you want to add something. I don't think we mentioned but obviously if you haven't considered talking with a professional national professional would be someone who's good to talk to either financial advisor directly with estate planning attorneys. These are just steps. You should take have the conversation see where it goes and get a uninformed decision. Thanks guys for coming in <hes>. I'm GonNa do you a little <hes> disclosure and all that good stuff but I'm GonNa ask you guys to stick around so we can end on a slightly happier now. It's a sound good all right our sister company Motley fool wealth management is a registered investment adviser that can help put your financial plan and investing needs in the context of your big life transitions if you've enjoyed learning for Megan and Sean or the other motley fool wealth management planners we've had on the show you can get even more of them. In your life visit full wealthed dot com slash radio at full wealthed dot com slash radio you can find podcast notes and resources sources and even book a No obligation appointment which sean or Megan or another planner. You've probably heard on the show please consider the risk cost and suitability of investments before choosing any investment professionals all investments involve risk and may lose money. Molly full wealth management does not guaranteed the result of any of its advice or account management all right. I promise that we were going to end on it slightly happier now. Okay all right so we're going to test your <hes>. Knowledge of crazy will requests and so I pull all of these. He's from a mental floss article by Ethan Tracks <hes> so thank you ethan tracks. I'm just cribbing everything from you all right. Are you ready Henrik Hein. The German poet left his entire fortune to his wife but with one catch catch she had to remarry because Rick. Do you WANNA play because no I don't WanNA play. Do you say it was a poet use as a poet he was gonna leave her his entire fortune but she had to remarry before she could get the money because they were never actually married he wanted they didn't have an air and he wanted air no and he wanted all the poetry to still be true stuff to be tragic yeah he said because then there will be at least one man to regret my death. Oh <music> do all right next one s sanborn nineteenth century New England hatter made a macabre bequest to his friend a pair of drums made from his own skin. The friend received received further instructions to go to bunker hill each June seventeenth and play what song on the drums years this nineteenth century well Yankee doodle. I guess very good. I don't know how you play Yankee doodle Dandy on a drum but it sounds like good getting what's on and nothing like that you are the Canadian attorney. Charles mylar died childless bachelor but he left five hundred sixty eight thousand dollars to the mother who gave birth to the most children in Toronto in the ten years following his death in nineteen twenty eight eight. This bequests prompted Canadians called the baby derby as Mother's race to win the fortune finally in one thousand nine hundred eighty eight four winter split the prize after giving birth to how many babies apiece so the most babies in ten years following his death well so if we say one a year it's ten but we got. We Wanna be even more surprised. I'M GONNA I'M GONNA go thirteen babies babies onto prices uh-huh right twelve one dollars one baby. The answer is nine nine right. Maybe on the twins all right. It's not clear how Henry but originally made two two hundred thousand pounds but when he died in eighteen sixty two he left his fortune to his two sons on the condition that they never grow what beards yeah we'd Bitcoin yes that neither sullied their lips with a mustache close beard is close last one Burgos Win Longtime Comic Book Writer and Editor. Mark gruenwald died in Nineteen ninety-six fans of marvel comics probably thought they'd the last of the former Captain America writer Gruenwald had other ideas though what did he request be done with his ashes turned into a comic book. If it was Hunter Interest Thompson it'd be shot from a Canon but but it's not turned into a shield. When was this ninety-six putting the movie somehow I want to send turned into a shield? I'M GONNA give it to Megan. He had his ashes mixed into the ink to be used to print the first trade paperback anthology of squadrons supreme one of his landmark creations to Megan so again I never I keep score so I guess we're all winners. Did you hear the very recently one of the actresses in Willy Wonka passed away the one who played violet beauregard <hes> but she she has died very poor so the family is asking for money so that her <music> Azziz can be made into a glass sculpture so you go find that gofundme page and you can contribute to that if he'd like. I think there's other things I should spend blueberry good well Sean. Thank you so much for joining us in for capping off our series on major life events. This has been <hes> agreed series. We've gotten a lot of good feedback from people on it. Thank you for doing it glad to contribute with all right. What's the bad feedback <hes> you got the bad feedback remember because he was such such a cynic about marriage and advice was like yes get a Pre nup absolutely yeah post yeah all out? There people thought they maybe you.