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Transcript

How Do I Build Enough for My Daughter to Live On After I'm Gone? · Becoming Financially Confident

• 0:37
  Today
• 0:37
  we're
• 0:38
  going
• 0:38
  to
• 0:38
  talk
• 0:38
  about
• 0:38
  the
• 0:38
  question
• 0:39
  that
• 0:39
  no
• 0:39
  parent
• 0:40
  wants
• 0:40
  to
• 0:40
  ask
• 0:40
  out
• 0:41
  loud.
• 0:42
  What
• 0:42
  happens
• 0:43
  to
• 0:43
  her
• 0:43
  when
• 0:43
  I'm
• 0:43
  gone?
• 0:45
  Not
• 0:45
  if,
• 0:47
  but
• 0:47
  when.
• 0:49
  Now,
• 0:49
  maybe
• 0:49
  you've
• 0:50
  been
• 0:50
  carrying
• 0:50
  that
• 0:50
  question
• 0:51
  for
• 0:51
  years,
• 0:53
  maybe
• 0:53
  you've
• 0:54
  never
• 0:54
  said
• 0:54
  it
• 0:54
  exactly
• 0:55
  like
• 0:55
  that,
• 0:55
  but
• 0:55
  it's
• 0:56
  there.
• 0:57
  It's
• 0:57
  that
• 0:57
  nagging
• 0:58
  thing
• 0:58
  that
• 0:58
  wakes
• 0:59
  you
• 0:59
  up
• 0:59
  at
• 0:59
  three
• 0:59
  in
• 0:59
  the
• 0:59
  morning
• 1:01
  and
• 1:01
  she
• 1:02
  needs
• 1:02
  you
• 1:02
  in
• 1:02
  a
• 1:02
  way
• 1:02
  that
• 1:03
  doesn't
• 1:03
  have
• 1:03
  an
• 1:03
  expiration
• 1:04
  date
• 1:04
  and
• 1:04
  that
• 1:04
  might
• 1:05
  be
• 1:05
  different
• 1:05
  than
• 1:05
  people
• 1:05
  around
• 1:06
  you
• 1:08
  and
• 1:08
  you're
• 1:08
  starting
• 1:08
  to
• 1:08
  feel
• 1:09
  something.
• 1:10
  You're
• 1:10
  running
• 1:11
  out
• 1:11
  of
• 1:11
  time
• 1:11
  to
• 1:11
  get
• 1:11
  this
• 1:12
  right.
• 1:13
  So
• 1:13
  today
• 1:14
  I
• 1:14
  want
• 1:14
  to
• 1:14
  talk
• 1:14
  about
• 1:14
  some
• 1:15
  practical
• 1:15
  things.
• 1:15
  We're
• 1:16
  going
• 1:16
  to
• 1:16
  talk
• 1:16
  about
• 1:16
  an
• 1:16
  able
• 1:17
  account.
• 1:17
  We're
• 1:17
  going
• 1:18
  to
• 1:18
  talk
• 1:18
  about
• 1:18
  a
• 1:18
  special
• 1:19
  needs
• 1:19
  trust
• 1:19
  that
• 1:19
  you've
• 1:20
  set
• 1:20
  up
• 1:20
  but
• 1:20
  haven't
• 1:21
  funded
• 1:21
  and
• 1:21
  a
• 1:22
  taxable
• 1:22
  brokerage
• 1:23
  that
• 1:23
  most
• 1:23
  parents
• 1:24
  forget
• 1:24
  to
• 1:24
  think
• 1:24
  about.
• 1:26
  Three
• 1:27
  tools,
• 1:28
  15
• 1:29
  years
• 1:29
  of
• 1:29
  Runway.
• 1:30
  Let's
• 1:31
  build
• 1:31
  her
• 1:31
  something
• 1:31
  that
• 1:32
  lasts
• 1:32
  today.
• 1:42
  Hello
• 1:42
  and
• 1:42
  welcome
• 1:43
  to
• 1:43
  Financially
• 1:44
  Confident
• 1:44
  Christian.
• 1:45
  Now
• 1:45
  you
• 1:46
  may
• 1:46
  be
• 1:46
  wondering
• 1:46
  what
• 1:46
  is
• 1:47
  Ralph
• 1:47
  talking
• 1:47
  about
• 1:48
  today?
• 1:48
  We
• 1:48
  actually
• 1:48
  got
• 1:49
  a
• 1:49
  listener
• 1:49
  question
• 1:50
  and
• 1:50
  I'm
• 1:50
  going
• 1:50
  to
• 1:50
  get
• 1:51
  into
• 1:51
  that
• 1:51
  in
• 1:51
  a
• 1:51
  second,
• 1:51
  but
• 1:52
  I
• 1:52
  want
• 1:52
  to
• 1:52
  give
• 1:52
  you
• 1:52
  some
• 1:52
  details.
• 1:53
  What
• 1:54
  we've
• 1:54
  got
• 1:54
  here
• 1:54
  is
• 1:54
  a
• 1:55
  parent
• 1:55
  in
• 1:55
  their
• 1:55
  50s
• 1:56
  and
• 1:56
  they've
• 1:57
  got
• 1:57
  a
• 1:57
  23
• 1:58
  year
• 1:58
  old
• 1:58
  daughter
• 1:58
  who
• 1:58
  is
• 1:59
  autistic
• 1:59
  and,
• 2:00
  and
• 2:00
  has
• 2:00
  some
• 2:00
  learning
• 2:01
  disabilities.
• 2:02
  And
• 2:02
  they're
• 2:02
  asking
• 2:02
  a
• 2:03
  very
• 2:03
  simple
• 2:04
  question.
• 2:04
  What's
• 2:05
  the
• 2:05
  best
• 2:05
  place
• 2:05
  to
• 2:06
  put
• 2:06
  a
• 2:06
  few
• 2:06
  hundred
• 2:06
  dollars
• 2:07
  a
• 2:07
  month
• 2:07
  for
• 2:07
  her
• 2:07
  long
• 2:08
  term
• 2:08
  care?
• 2:09
  And
• 2:10
  this
• 2:10
  is
• 2:10
  one
• 2:10
  of
• 2:10
  the
• 2:10
  heaviest
• 2:11
  financial
• 2:12
  questions
• 2:12
  a
• 2:12
  parent
• 2:13
  can
• 2:13
  carry.
• 2:15
  And
• 2:15
  this
• 2:16
  is
• 2:16
  the
• 2:16
  truth.
• 2:16
  Planning
• 2:17
  for
• 2:17
  this
• 2:17
  is
• 2:17
  not
• 2:18
  giving
• 2:18
  up.
• 2:18
  It's
• 2:19
  actually
• 2:20
  an
• 2:20
  act
• 2:20
  of
• 2:20
  love.
• 2:20
  And
• 2:21
  like
• 2:21
  I
• 2:21
  said,
• 2:21
  we're
• 2:21
  going
• 2:21
  to
• 2:21
  talk
• 2:22
  about
• 2:22
  some
• 2:22
  specifics
• 2:22
  today.
• 2:23
  But
• 2:23
  let's
• 2:23
  get
• 2:24
  right
• 2:24
  to
• 2:24
  today's
• 2:24
  listener
• 2:25
  question.
• 2:25
  Listener
• 2:26
  writes
• 2:26
  this.
• 2:26
  Hi
• 2:27
  Ralph.
• 2:28
  Our
• 2:28
  daughter
• 2:28
  is
• 2:28
  23,
• 2:29
  she's
• 2:30
  autistic
• 2:30
  and
• 2:31
  has
• 2:31
  learning
• 2:31
  disabilities.
• 2:32
  We've
• 2:33
  been
• 2:33
  working
• 2:33
  with
• 2:33
  the
• 2:33
  county
• 2:34
  and
• 2:34
  state
• 2:34
  to
• 2:34
  get
• 2:34
  her
• 2:35
  services
• 2:35
  and
• 2:36
  hopefully
• 2:36
  an
• 2:36
  employment.
• 2:37
  But
• 2:38
  I
• 2:38
  need
• 2:38
  to
• 2:38
  plan
• 2:38
  like
• 2:39
  this
• 2:39
  might
• 2:39
  not
• 2:39
  happen,
• 2:41
  Ralph.
• 2:41
  My
• 2:41
  goal
• 2:42
  is
• 2:42
  simple.
• 2:43
  When
• 2:43
  I'm
• 2:43
  gone,
• 2:44
  I
• 2:44
  want
• 2:45
  enough
• 2:45
  left
• 2:45
  for
• 2:45
  her
• 2:45
  to
• 2:45
  live
• 2:46
  on.
• 2:47
  We
• 2:47
  have
• 2:47
  created
• 2:48
  a
• 2:48
  special
• 2:48
  needs
• 2:49
  trust,
• 2:49
  but
• 2:50
  we
• 2:50
  haven't
• 2:50
  put
• 2:50
  anything
• 2:50
  in
• 2:50
  it
• 2:51
  yet.
• 2:51
  They
• 2:52
  will
• 2:52
  transfer
• 2:52
  everything
• 2:53
  to
• 2:53
  the
• 2:53
  trust
• 2:53
  when
• 2:53
  we
• 2:54
  die.
• 2:55
  My
• 2:55
  wife
• 2:55
  and
• 2:55
  I
• 2:55
  were
• 2:56
  in
• 2:56
  our
• 2:56
  50s.
• 2:57
  We
• 2:57
  should
• 2:57
  have
• 2:58
  about
• 2:58
  15
• 2:58
  more
• 2:58
  years
• 2:59
  of
• 2:59
  work
• 2:59
  ahead
• 2:59
  of
• 3:00
  us.
• 3:00
  I'll
• 3:01
  be
• 3:01
  67,
• 3:02
  she'll
• 3:02
  be
• 3:02
  70,
• 3:03
  and
• 3:03
  we've
• 3:04
  got
• 3:04
  a
• 3:04
  little
• 3:04
  over
• 3:04
  a
• 3:05
  million
• 3:05
  dollars
• 3:05
  in
• 3:05
  retirement
• 3:06
  accounts.
• 3:07
  She
• 3:07
  maxes
• 3:08
  out
• 3:08
  her
• 3:08
  401k
• 3:09
  and
• 3:09
  I
• 3:09
  max
• 3:10
  out
• 3:10
  my
• 3:10
  Roth
• 3:10
  IRA.
• 3:12
  The
• 3:12
  balance
• 3:12
  will
• 3:13
  be
• 3:13
  paid
• 3:13
  off
• 3:13
  then
• 3:14
  too.
• 3:15
  Ralph,
• 3:15
  if
• 3:15
  I
• 3:15
  could
• 3:16
  scrape
• 3:16
  together
• 3:16
  a
• 3:17
  couple
• 3:17
  hundred
• 3:17
  dollars
• 3:17
  more
• 3:18
  a
• 3:18
  month,
• 3:19
  what
• 3:19
  would
• 3:19
  be
• 3:19
  my
• 3:20
  best
• 3:20
  options?
• 3:21
  Would
• 3:21
  it
• 3:21
  be
• 3:21
  just
• 3:21
  a
• 3:22
  regular
• 3:22
  brokerage
• 3:22
  account?
• 3:23
  I
• 3:23
  feel
• 3:24
  like
• 3:24
  I
• 3:24
  know
• 3:24
  the
• 3:24
  basics.
• 3:25
  I'm
• 3:26
  just
• 3:26
  wondering
• 3:26
  if
• 3:26
  there's
• 3:27
  something
• 3:27
  I
• 3:27
  haven't
• 3:27
  thought
• 3:28
  of
• 3:28
  yet.
• 3:29
  Thank
• 3:29
  you.
• 3:30
  Well,
• 3:30
  thank
• 3:31
  you
• 3:31
  for
• 3:31
  sending
• 3:31
  in
• 3:31
  that
• 3:32
  question.
• 3:33
  I
• 3:33
  want
• 3:33
  to
• 3:33
  start
• 3:33
  off
• 3:34
  by
• 3:34
  telling
• 3:34
  you
• 3:34
  the
• 3:34
  foundation
• 3:35
  you've
• 3:35
  built
• 3:36
  here
• 3:36
  is
• 3:36
  super
• 3:37
  strong.
• 3:37
  And
• 3:37
  I
• 3:37
  can
• 3:38
  tell
• 3:38
  you're
• 3:38
  loving
• 3:38
  parents.
• 3:40
  But
• 3:40
  now
• 3:40
  you're
• 3:40
  trying
• 3:40
  to
• 3:41
  take
• 3:41
  it
• 3:41
  to
• 3:41
  the
• 3:41
  next
• 3:41
  level
• 3:42
  and
• 3:42
  you're
• 3:42
  asking
• 3:43
  me
• 3:43
  how
• 3:43
  to
• 3:43
  grow
• 3:43
  that
• 3:44
  extra
• 3:44
  monthly
• 3:44
  amount
• 3:45
  in
• 3:45
  a
• 3:45
  way
• 3:46
  that
• 3:46
  protects
• 3:46
  her
• 3:46
  benefits
• 3:47
  and,
• 3:47
  and
• 3:48
  gives
• 3:48
  her
• 3:48
  the
• 3:48
  most
• 3:48
  flexibility.
• 3:49
  You've
• 3:49
  got
• 3:49
  an
• 3:49
  unusual
• 3:50
  situation
• 3:51
  here
• 3:51
  and
• 3:51
  we're
• 3:51
  going
• 3:51
  to
• 3:52
  talk
• 3:52
  about
• 3:52
  this
• 3:52
  in
• 3:52
  a
• 3:52
  second.
• 3:53
  But
• 3:53
  you've
• 3:53
  got
• 3:53
  to
• 3:54
  build
• 3:54
  things
• 3:54
  in
• 3:54
  a
• 3:55
  way
• 3:55
  that
• 3:55
  doesn't
• 3:55
  impact
• 3:56
  her
• 3:56
  benefits.
• 3:57
  This
• 3:58
  isn't
• 3:58
  simply
• 3:58
  building
• 3:59
  wealth,
• 3:59
  it's
• 4:00
  building
• 4:00
  it
• 4:00
  with
• 4:00
  a
• 4:00
  purpose.
• 4:02
  So
• 4:02
  you
• 4:02
  got
• 4:02
  to
• 4:02
  start
• 4:02
  by
• 4:03
  knowing
• 4:03
  what's
• 4:03
  actually
• 4:04
  and
• 4:04
  what's
• 4:04
  already
• 4:05
  working
• 4:05
  and
• 4:06
  what
• 4:06
  isn't
• 4:06
  yet
• 4:07
  you're
• 4:08
  ahead
• 4:08
  of
• 4:08
  most
• 4:08
  families
• 4:09
  in
• 4:09
  this
• 4:09
  particular
• 4:10
  situation.
• 4:11
  You've
• 4:11
  got
• 4:11
  your
• 4:11
  retirement
• 4:12
  funded,
• 4:12
  you've
• 4:13
  got
• 4:13
  a
• 4:13
  trust
• 4:13
  structure
• 4:14
  in
• 4:14
  place
• 4:15
  and
• 4:15
  your
• 4:15
  house
• 4:15
  is
• 4:16
  nearly
• 4:16
  paid
• 4:16
  off.
• 4:16
  Those
• 4:17
  are
• 4:17
  huge
• 4:17
  things.
• 4:19
  But
• 4:19
  you
• 4:19
  have
• 4:19
  a
• 4:19
  gap
• 4:20
  here.
• 4:20
  And
• 4:21
  that
• 4:21
  gap
• 4:21
  is
• 4:21
  that
• 4:22
  will
• 4:22
  to
• 4:22
  trust
• 4:22
  transfer
• 4:23
  only
• 4:23
  kicking
• 4:24
  in
• 4:24
  when
• 4:24
  you
• 4:24
  die.
• 4:25
  And
• 4:25
  that's
• 4:25
  why
• 4:25
  you
• 4:26
  said
• 4:26
  nothing's
• 4:26
  been
• 4:27
  put
• 4:27
  in
• 4:27
  the
• 4:27
  trust
• 4:27
  yet.
• 4:28
  I
• 4:28
  get
• 4:29
  that.
• 4:30
  And
• 4:30
  you've
• 4:30
  got
• 4:30
  a
• 4:30
  goal
• 4:31
  of
• 4:31
  two
• 4:31
  to
• 4:31
  $300
• 4:32
  a
• 4:32
  month
• 4:32
  to
• 4:32
  build
• 4:33
  some
• 4:33
  assets
• 4:34
  outside
• 4:35
  of
• 4:35
  those
• 4:35
  things
• 4:35
  specifically
• 4:36
  earmarked
• 4:37
  for
• 4:37
  her
• 4:37
  care.
• 4:38
  But
• 4:38
  you
• 4:38
  want
• 4:39
  to
• 4:39
  make
• 4:39
  sure
• 4:39
  you
• 4:39
  don't
• 4:39
  have
• 4:40
  one
• 4:40
  area
• 4:40
  where
• 4:41
  you
• 4:41
  double
• 4:41
  up
• 4:41
  and
• 4:42
  leave
• 4:42
  another
• 4:42
  exposed.
• 4:44
  So
• 4:44
  the
• 4:44
  best
• 4:45
  starting
• 4:45
  point
• 4:46
  is
• 4:46
  always
• 4:47
  knowing
• 4:47
  what
• 4:47
  you
• 4:48
  already
• 4:48
  have.
• 4:48
  So
• 4:49
  we've
• 4:49
  already
• 4:49
  defined
• 4:50
  that.
• 4:50
  But
• 4:50
  let's
• 4:51
  go
• 4:51
  right
• 4:51
  into
• 4:51
  an
• 4:51
  able
• 4:52
  account
• 4:52
  that's
• 4:53
  a
• 4:53
  B
• 4:53
  L
• 4:53
  E.
• 4:54
  What
• 4:54
  that
• 4:54
  stands
• 4:55
  for
• 4:55
  is
• 4:55
  achieving
• 4:56
  a
• 4:56
  better
• 4:56
  life
• 4:57
  experience.
• 4:58
  What
• 4:58
  this
• 4:58
  is
• 4:58
  is
• 4:59
  a
• 4:59
  tax
• 4:59
  advantaged
• 5:00
  account
• 5:00
  built
• 5:01
  for
• 5:01
  people
• 5:01
  with
• 5:01
  disabilities.
• 5:02
  Now,
• 5:03
  before
• 5:03
  I
• 5:03
  recorded
• 5:04
  today
• 5:04
  I
• 5:04
  needed
• 5:05
  to
• 5:05
  update
• 5:05
  this
• 5:05
  because
• 5:05
  this
• 5:06
  actually
• 5:06
  had
• 5:06
  some
• 5:07
  changes
• 5:07
  in
• 5:07
  2026.
• 5:08
  This
• 5:09
  is
• 5:09
  what
• 5:09
  it
• 5:09
  is.
• 5:10
  You
• 5:10
  can
• 5:10
  annually
• 5:11
  contribute
• 5:12
  $20,000
• 5:13
  to
• 5:13
  this
• 5:13
  account.
• 5:14
  If
• 5:14
  the
• 5:15
  account
• 5:15
  holder
• 5:15
  works,
• 5:16
  guess
• 5:16
  what?
• 5:16
  And
• 5:16
  they
• 5:16
  don't
• 5:17
  participate
• 5:17
  in
• 5:17
  an
• 5:18
  employer
• 5:18
  sponsored
• 5:18
  retirement
• 5:19
  plan,
• 5:19
  you
• 5:20
  can
• 5:20
  add
• 5:20
  an
• 5:20
  additional
• 5:21
  15,650.
• 5:23
  So
• 5:23
  you
• 5:23
  could
• 5:23
  put
• 5:23
  $35,650
• 5:26
  into
• 5:27
  these
• 5:27
  account.
• 5:28
  Here's
• 5:28
  two
• 5:29
  other
• 5:29
  things
• 5:29
  you
• 5:29
  need
• 5:29
  to
• 5:29
  understand
• 5:30
  as
• 5:31
  of
• 5:31
  January
• 5:31
  1st
• 5:32
  of
• 5:32
  2026.
• 5:33
  The
• 5:34
  ability,
• 5:34
  the
• 5:35
  eligibility,
• 5:35
  age
• 5:36
  expendit
• 5:36
  used
• 5:37
  to
• 5:37
  be
• 5:37
  26
• 5:38
  and
• 5:38
  now
• 5:38
  it's
• 5:39
  46.
• 5:40
  So
• 5:40
  as
• 5:40
  long
• 5:41
  as
• 5:41
  this
• 5:41
  disability
• 5:42
  began
• 5:42
  before
• 5:43
  age
• 5:43
  46,
• 5:44
  you
• 5:45
  can
• 5:45
  use
• 5:45
  this.
• 5:46
  And
• 5:46
  I
• 5:46
  didn't
• 5:47
  really
• 5:47
  understand
• 5:47
  how
• 5:48
  many
• 5:48
  people
• 5:48
  this
• 5:49
  impacted.
• 5:49
  But
• 5:50
  guess
• 5:50
  what?
• 5:50
  The
• 5:50
  National
• 5:51
  Disability
• 5:52
  Institute
• 5:52
  projected
• 5:53
  around
• 5:53
  6
• 5:54
  million
• 5:54
  more
• 5:55
  people
• 5:55
  are
• 5:55
  going
• 5:55
  to
• 5:55
  qualify
• 5:56
  because
• 5:56
  of
• 5:57
  moving
• 5:57
  it
• 5:57
  from
• 5:57
  26
• 5:58
  to
• 5:58
  46.
• 6:00
  Also
• 6:00
  starting
• 6:01
  in
• 6:01
  2026,
• 6:02
  you
• 6:02
  can
• 6:02
  permanently
• 6:03
  roll
• 6:03
  over
• 6:03
  funds
• 6:04
  from
• 6:04
  a
• 6:04
  529
• 6:05
  college
• 6:05
  savings
• 6:05
  plan
• 6:06
  into
• 6:06
  these
• 6:07
  ABLE
• 6:07
  accounts
• 6:08
  without
• 6:08
  any
• 6:09
  taxes
• 6:09
  or
• 6:09
  penalties.
• 6:11
  Now
• 6:11
  what
• 6:11
  can
• 6:12
  you
• 6:12
  use
• 6:12
  these
• 6:12
  for?
• 6:13
  You
• 6:13
  can
• 6:13
  use
• 6:14
  these
• 6:14
  accounts
• 6:14
  for
• 6:14
  qualified
• 6:15
  expenses,
• 6:16
  housing
• 6:17
  expenses,
• 6:18
  transportation,
• 6:19
  education,
• 6:20
  any
• 6:21
  assistive
• 6:21
  technology
• 6:22
  and
• 6:23
  basic
• 6:23
  living
• 6:23
  costs.
• 6:25
  Here's
• 6:25
  why
• 6:25
  this
• 6:26
  is
• 6:26
  so
• 6:26
  important.
• 6:27
  If
• 6:27
  your
• 6:28
  daughter
• 6:28
  receives
• 6:28
  Social
• 6:29
  Security
• 6:29
  disability
• 6:31
  housing
• 6:31
  paid
• 6:31
  directly
• 6:32
  from
• 6:32
  ABLE
• 6:32
  can
• 6:33
  still
• 6:33
  affect
• 6:33
  her
• 6:34
  monthly
• 6:34
  benefit.
• 6:34
  So
• 6:34
  you
• 6:34
  got
• 6:35
  to
• 6:35
  confirm
• 6:35
  this
• 6:35
  with
• 6:35
  a
• 6:35
  special
• 6:36
  needs
• 6:36
  planner.
• 6:37
  I'm
• 6:37
  not
• 6:37
  going
• 6:37
  to
• 6:37
  give
• 6:37
  you
• 6:38
  the
• 6:38
  whole
• 6:38
  here's
• 6:39
  what
• 6:39
  this
• 6:39
  ABLE
• 6:39
  account
• 6:40
  does.
• 6:40
  I
• 6:40
  just
• 6:40
  want
• 6:40
  to
• 6:40
  start
• 6:41
  that
• 6:42
  the
• 6:42
  ABLE
• 6:42
  account
• 6:43
  is
• 6:43
  likely
• 6:43
  the
• 6:43
  first
• 6:44
  place
• 6:44
  you
• 6:44
  should
• 6:44
  look.
• 6:45
  But
• 6:45
  now
• 6:46
  let's
• 6:46
  talk
• 6:46
  about
• 6:46
  the
• 6:47
  special
• 6:47
  needs
• 6:47
  trust.
• 6:48
  One
• 6:48
  of
• 6:48
  the
• 6:48
  things
• 6:49
  that
• 6:49
  I'm
• 6:49
  going
• 6:49
  to
• 6:49
  encourage
• 6:49
  you
• 6:49
  to
• 6:50
  do
• 6:50
  is
• 6:50
  talk
• 6:50
  with
• 6:51
  somebody
• 6:51
  about
• 6:52
  maybe
• 6:52
  putting
• 6:52
  some
• 6:53
  money
• 6:53
  into
• 6:53
  it
• 6:54
  now
• 6:54
  instead
• 6:55
  of
• 6:55
  waiting
• 6:55
  till
• 6:55
  you
• 6:55
  die.
• 6:56
  You
• 6:56
  can
• 6:56
  contribute
• 6:57
  to
• 6:57
  that
• 6:57
  trust
• 6:58
  now.
• 6:58
  And
• 6:59
  here's
• 6:59
  why
• 6:59
  you
• 6:59
  might
• 6:59
  want
• 7:00
  to
• 7:00
  do
• 7:00
  that.
• 7:00
  Assets
• 7:01
  and
• 7:01
  tied
• 7:01
  to
• 7:01
  trust
• 7:02
  don't
• 7:02
  count
• 7:02
  against
• 7:03
  any
• 7:03
  benefit
• 7:04
  eligibility
• 7:04
  for
• 7:04
  your
• 7:05
  daughter.
• 7:06
  Trusts
• 7:07
  give
• 7:07
  a
• 7:07
  trustee
• 7:08
  direct
• 7:08
  control.
• 7:09
  These
• 7:09
  are
• 7:09
  better
• 7:09
  for
• 7:10
  things
• 7:10
  like
• 7:10
  real
• 7:10
  estate
• 7:11
  for
• 7:11
  life
• 7:11
  insurance
• 7:12
  proceeds
• 7:13
  and
• 7:13
  larger
• 7:13
  payouts.
• 7:14
  What
• 7:14
  I
• 7:15
  have
• 7:15
  found
• 7:15
  is
• 7:15
  most
• 7:16
  families
• 7:16
  use
• 7:17
  both
• 7:17
  the
• 7:18
  ABLE
• 7:18
  account
• 7:18
  for
• 7:19
  the
• 7:19
  day
• 7:19
  to
• 7:19
  day
• 7:19
  operations
• 7:20
  and
• 7:21
  the
• 7:21
  trust
• 7:21
  for
• 7:21
  bigger
• 7:22
  long
• 7:22
  term
• 7:22
  assets.
• 7:23
  But
• 7:23
  this
• 7:23
  is
• 7:23
  one
• 7:23
  of
• 7:24
  the
• 7:24
  things
• 7:24
  that
• 7:24
  you've
• 7:25
  got
• 7:25
  to
• 7:25
  confirm
• 7:26
  with
• 7:26
  a
• 7:26
  special
• 7:26
  needs
• 7:27
  attorney
• 7:28
  and
• 7:28
  make
• 7:28
  sure
• 7:28
  that
• 7:29
  you
• 7:29
  understand
• 7:29
  what
• 7:30
  this
• 7:30
  can
• 7:30
  do.
• 7:31
  You
• 7:31
  also
• 7:31
  talked
• 7:32
  about
• 7:32
  a
• 7:32
  regular
• 7:32
  brokerage.
• 7:33
  The
• 7:34
  benefit
• 7:34
  to
• 7:34
  the
• 7:34
  regular
• 7:35
  brokerage
• 7:35
  account
• 7:35
  is
• 7:36
  you
• 7:36
  don't
• 7:36
  have
• 7:36
  those
• 7:36
  contribution
• 7:37
  limits
• 7:37
  like
• 7:37
  we
• 7:38
  talked
• 7:38
  about
• 7:38
  a
• 7:38
  little
• 7:38
  bit
• 7:39
  ago.
• 7:39
  You
• 7:40
  have
• 7:40
  full
• 7:40
  investment
• 7:41
  flexibility,
• 7:42
  but
• 7:42
  at
• 7:42
  the
• 7:42
  same
• 7:43
  time
• 7:43
  those
• 7:43
  things
• 7:44
  aren't
• 7:44
  protected.
• 7:45
  And
• 7:45
  if
• 7:45
  your
• 7:46
  daughter
• 7:46
  inherits
• 7:47
  that,
• 7:47
  guess
• 7:47
  what?
• 7:47
  It
• 7:48
  could
• 7:48
  disqualify
• 7:49
  her
• 7:49
  from
• 7:50
  benefits
• 7:50
  from
• 7:51
  Social
• 7:51
  Security
• 7:52
  or
• 7:52
  from
• 7:52
  Medicaid
• 7:53
  down
• 7:53
  the
• 7:53
  road.
• 7:54
  So
• 7:54
  you
• 7:55
  need
• 7:55
  to
• 7:55
  talk
• 7:55
  to
• 7:55
  a
• 7:55
  broker,
• 7:56
  talk
• 7:56
  to
• 7:56
  that
• 7:56
  planning
• 7:57
  attorney
• 7:57
  and
• 7:58
  understand
• 7:58
  what
• 7:59
  you
• 7:59
  need
• 7:59
  to
• 7:59
  do.
• 8:01
  The
• 8:01
  trust
• 8:01
  doesn't
• 8:01
  have
• 8:01
  to
• 8:02
  wait
• 8:02
  though.
• 8:03
  And
• 8:03
  that
• 8:03
  brokerage
• 8:04
  isn't
• 8:04
  wrong.
• 8:04
  It
• 8:05
  just
• 8:05
  has
• 8:05
  to
• 8:05
  be
• 8:05
  structured
• 8:06
  carefully,
• 8:07
  which
• 8:08
  makes
• 8:08
  me
• 8:08
  want
• 8:08
  to
• 8:09
  go
• 8:09
  back
• 8:09
  and
• 8:09
  look
• 8:09
  at
• 8:09
  the
• 8:09
  full
• 8:10
  picture.
• 8:10
  One
• 8:11
  of
• 8:11
  the
• 8:11
  other
• 8:11
  things
• 8:11
  you
• 8:11
  haven't
• 8:12
  mentioned
• 8:12
  here
• 8:12
  is
• 8:13
  life
• 8:13
  insurance.
• 8:14
  This
• 8:14
  is
• 8:14
  a
• 8:15
  great
• 8:15
  thing
• 8:15
  to
• 8:15
  talk
• 8:15
  about
• 8:16
  where
• 8:16
  you
• 8:16
  name
• 8:17
  the
• 8:17
  life
• 8:17
  insurance
• 8:18
  beneficiary
• 8:19
  as
• 8:19
  the
• 8:19
  trust.
• 8:20
  A
• 8:20
  lot
• 8:20
  of
• 8:20
  people
• 8:21
  overlook
• 8:21
  this,
• 8:22
  but
• 8:22
  even
• 8:22
  a
• 8:23
  modest
• 8:23
  policy
• 8:24
  adds
• 8:24
  a
• 8:24
  meaningful
• 8:25
  safety
• 8:25
  net.
• 8:26
  You've
• 8:26
  got
• 8:27
  a
• 8:27
  million
• 8:27
  dollars
• 8:27
  in
• 8:27
  retirement
• 8:28
  accounts.
• 8:28
  Those
• 8:29
  are
• 8:29
  going
• 8:29
  to
• 8:29
  pass
• 8:29
  through
• 8:30
  the
• 8:30
  estate.
• 8:30
  But
• 8:30
  you
• 8:31
  got
• 8:31
  to
• 8:31
  confirm
• 8:31
  with
• 8:32
  the
• 8:32
  planner
• 8:32
  that
• 8:32
  the
• 8:32
  trust
• 8:33
  can
• 8:33
  actually
• 8:33
  receive
• 8:34
  those
• 8:34
  assets
• 8:34
  without
• 8:35
  a
• 8:35
  tax
• 8:35
  problem.
• 8:37
  So
• 8:37
  revisit
• 8:37
  that
• 8:38
  trust
• 8:38
  language
• 8:38
  with
• 8:39
  your
• 8:39
  attorney
• 8:39
  and
• 8:40
  make
• 8:40
  sure
• 8:40
  it's
• 8:40
  ready
• 8:40
  to
• 8:41
  receive
• 8:41
  contributions
• 8:42
  today.
• 8:43
  Now,
• 8:43
  this
• 8:43
  might
• 8:44
  feel
• 8:44
  a
• 8:44
  little
• 8:44
  overwhelming.
• 8:45
  You
• 8:45
  don't
• 8:45
  have
• 8:45
  to
• 8:45
  do
• 8:45
  all
• 8:45
  this
• 8:45
  at
• 8:46
  once.
• 8:47
  Start
• 8:47
  with
• 8:47
  that
• 8:47
  able
• 8:48
  account,
• 8:48
  fund
• 8:49
  that
• 8:49
  trust,
• 8:49
  and
• 8:50
  revisit
• 8:50
  this
• 8:51
  annually.
• 8:52
  The
• 8:52
  plan
• 8:52
  doesn't
• 8:53
  have
• 8:53
  to
• 8:53
  be
• 8:53
  perfect
• 8:53
  today.
• 8:55
  It
• 8:55
  just
• 8:55
  has
• 8:55
  to
• 8:56
  move
• 8:56
  forward.
• 8:58
  Now,
• 8:58
  I
• 8:58
  want
• 8:58
  to
• 8:58
  dig
• 8:58
  in
• 8:59
  a
• 8:59
  little
• 8:59
  deeper
• 8:59
  in
• 9:00
  something
• 9:00
  you
• 9:00
  said
• 9:01
  because
• 9:01
  I
• 9:01
  really
• 9:02
  respect
• 9:02
  what
• 9:02
  you
• 9:02
  said.
• 9:03
  You
• 9:03
  called
• 9:03
  this
• 9:03
  child
• 9:04
  a
• 9:04
  possible
• 9:05
  forever
• 9:05
  child.
• 9:06
  And
• 9:07
  I've
• 9:07
  been
• 9:07
  sitting
• 9:07
  with
• 9:07
  that
• 9:08
  phrase
• 9:09
  and
• 9:09
  I
• 9:09
  can't
• 9:10
  help
• 9:10
  but
• 9:10
  believe
• 9:10
  that
• 9:10
  there's
• 9:11
  grief
• 9:11
  in
• 9:11
  that,
• 9:12
  but
• 9:12
  at
• 9:13
  the
• 9:13
  same
• 9:13
  time,
• 9:13
  there's
• 9:14
  love
• 9:14
  in
• 9:14
  that.
• 9:15
  And
• 9:15
  there's
• 9:16
  something
• 9:16
  quietly
• 9:17
  holy
• 9:17
  in
• 9:18
  it
• 9:18
  too.
• 9:19
  The
• 9:20
  truth
• 9:20
  is,
• 9:20
  when
• 9:20
  we
• 9:20
  had
• 9:21
  kids
• 9:21
  and
• 9:21
  most
• 9:22
  people
• 9:22
  had
• 9:22
  kids,
• 9:23
  we
• 9:23
  planned
• 9:23
  that
• 9:23
  their
• 9:23
  kids
• 9:24
  are
• 9:24
  going
• 9:24
  to
• 9:24
  outgrow
• 9:25
  them
• 9:26
  at
• 9:26
  some
• 9:26
  time
• 9:26
  when
• 9:27
  they
• 9:27
  turn
• 9:27
  18
• 9:27
  or
• 9:28
  21
• 9:28
  or
• 9:29
  whatever
• 9:29
  that
• 9:29
  is.
• 9:29
  We
• 9:30
  expect
• 9:30
  to
• 9:30
  wave
• 9:30
  goodbye
• 9:31
  and
• 9:31
  the
• 9:31
  kids
• 9:31
  go
• 9:31
  off
• 9:31
  and
• 9:32
  do
• 9:32
  their
• 9:32
  own
• 9:32
  thing.
• 9:33
  But
• 9:34
  you're
• 9:34
  planning
• 9:34
  for
• 9:34
  something
• 9:35
  really
• 9:35
  different
• 9:35
  here.
• 9:36
  And
• 9:36
  I've
• 9:36
  worked
• 9:36
  with
• 9:37
  clients
• 9:37
  just
• 9:37
  like
• 9:37
  you.
• 9:38
  And
• 9:38
  these
• 9:38
  are
• 9:39
  some
• 9:39
  of
• 9:39
  the
• 9:39
  most
• 9:39
  special
• 9:40
  people
• 9:40
  and
• 9:41
  one
• 9:41
  of
• 9:41
  some
• 9:41
  of
• 9:41
  the
• 9:41
  most
• 9:42
  beautiful
• 9:42
  people
• 9:42
  I've
• 9:43
  ever
• 9:43
  met.
• 9:44
  Because
• 9:45
  you're
• 9:45
  not
• 9:45
  just
• 9:45
  building
• 9:45
  for
• 9:46
  yourself,
• 9:46
  but
• 9:47
  you're
• 9:47
  building
• 9:47
  a
• 9:47
  life
• 9:48
  raft
• 9:48
  for
• 9:48
  someone
• 9:48
  who
• 9:49
  can't
• 9:49
  build
• 9:49
  it
• 9:49
  on
• 9:49
  their
• 9:50
  own.
• 9:51
  And
• 9:51
  I
• 9:51
  want
• 9:52
  to
• 9:52
  be
• 9:52
  honest
• 9:52
  with
• 9:52
  you.
• 9:54
  Faith
• 9:54
  doesn't
• 9:55
  guarantee
• 9:55
  that
• 9:55
  the
• 9:55
  county
• 9:56
  or
• 9:56
  the
• 9:56
  state's
• 9:56
  going
• 9:57
  to
• 9:57
  come
• 9:57
  through
• 9:57
  you.
• 9:58
  Faith
• 9:59
  doesn't
• 9:59
  guarantee
• 10:00
  that
• 10:00
  employment
• 10:00
  is
• 10:00
  going
• 10:01
  to
• 10:01
  work
• 10:01
  out
• 10:01
  for
• 10:01
  your
• 10:01
  daughter.
• 10:02
  And
• 10:02
  fate
• 10:02
  doesn't
• 10:03
  guarantee
• 10:03
  that
• 10:03
  you're
• 10:04
  going
• 10:04
  to
• 10:04
  live
• 10:04
  long
• 10:04
  enough
• 10:04
  to
• 10:05
  see
• 10:05
  this
• 10:05
  fully
• 10:05
  funded.
• 10:07
  But
• 10:07
  here's
• 10:08
  what
• 10:08
  I
• 10:08
  do
• 10:08
  believe.
• 10:10
  God
• 10:10
  sees
• 10:10
  that
• 10:10
  day
• 10:11
  to
• 10:11
  day
• 10:11
  care
• 10:11
  behind
• 10:12
  every
• 10:12
  dollar
• 10:12
  you're
• 10:13
  setting
• 10:13
  aside.
• 10:14
  And
• 10:14
  he
• 10:14
  sees
• 10:15
  those
• 10:15
  spreadsheets
• 10:16
  and
• 10:16
  he
• 10:16
  feels
• 10:17
  the
• 10:17
  pain
• 10:17
  of
• 10:18
  those
• 10:18
  sleepless
• 10:18
  nights.
• 10:20
  And
• 10:20
  he
• 10:20
  knows
• 10:20
  you're
• 10:20
  a
• 10:21
  parent
• 10:21
  doing
• 10:21
  the
• 10:21
  hard
• 10:21
  work
• 10:22
  and
• 10:22
  that
• 10:22
  unglamorous
• 10:23
  work
• 10:23
  of
• 10:23
  love.
• 10:24
  I
• 10:24
  want
• 10:24
  to
• 10:24
  go
• 10:24
  to
• 10:24
  Proverbs
• 10:25
  13:22
• 10:26
  because.
• 10:26
  And
• 10:26
  we'll
• 10:27
  talk
• 10:27
  about
• 10:27
  this
• 10:27
  in
• 10:27
  a
• 10:27
  few
• 10:27
  minutes,
• 10:28
  but
• 10:28
  it
• 10:28
  says
• 10:28
  a
• 10:28
  good
• 10:29
  person
• 10:29
  leaves
• 10:29
  an
• 10:29
  inheritance
• 10:30
  for
• 10:30
  their
• 10:30
  grandchildren.
• 10:33
  My
• 10:33
  friend,
• 10:33
  you're
• 10:34
  living
• 10:34
  out
• 10:34
  that
• 10:34
  verse
• 10:35
  every
• 10:35
  day.
• 10:36
  And
• 10:37
  it's
• 10:37
  not
• 10:37
  because
• 10:37
  you're
• 10:37
  wealthy.
• 10:38
  It's
• 10:38
  because
• 10:39
  you're
• 10:39
  thoughtful,
• 10:41
  your
• 10:42
  Daughter
• 10:42
  didn't
• 10:42
  choose
• 10:42
  her
• 10:43
  limitations
• 10:45
  and
• 10:45
  you
• 10:45
  didn't
• 10:45
  choose
• 10:46
  those
• 10:46
  either.
• 10:46
  But
• 10:46
  you
• 10:47
  are
• 10:47
  choosing
• 10:47
  something
• 10:48
  bigger.
• 10:49
  You're
• 10:49
  choosing
• 10:50
  every
• 10:50
  single
• 10:50
  day
• 10:51
  to
• 10:51
  show
• 10:51
  up
• 10:51
  for
• 10:51
  her.
• 10:53
  And
• 10:53
  that's
• 10:53
  amazing.
• 10:55
  That's
• 10:55
  not
• 10:55
  just
• 10:55
  financial
• 10:56
  planning,
• 10:56
  that's
• 10:57
  faithfulness.
• 10:59
  And
• 10:59
  I
• 10:59
  know
• 10:59
  in
• 10:59
  my
• 11:00
  heart
• 11:00
  whatever
• 11:00
  happens
• 11:01
  with
• 11:01
  these
• 11:01
  accounts,
• 11:02
  whether
• 11:02
  it
• 11:02
  be
• 11:02
  the
• 11:02
  trust,
• 11:03
  the
• 11:03
  benefits,
• 11:04
  you
• 11:04
  are
• 11:04
  doing
• 11:04
  what
• 11:05
  a
• 11:05
  parent
• 11:05
  who
• 11:05
  trusts
• 11:06
  God
• 11:06
  looks
• 11:06
  like.
• 11:08
  So
• 11:08
  keep
• 11:08
  going.
• 11:10
  Building
• 11:10
  for
• 11:10
  a
• 11:10
  child
• 11:11
  who
• 11:11
  can't
• 11:11
  build
• 11:11
  for
• 11:12
  themselves
• 11:12
  isn't
• 11:12
  a
• 11:12
  burden.
• 11:13
  You
• 11:13
  know
• 11:13
  that.
• 11:14
  It's
• 11:15
  one
• 11:15
  of
• 11:15
  the
• 11:15
  most
• 11:15
  faithful
• 11:16
  things
• 11:16
  a
• 11:16
  parent
• 11:16
  can
• 11:17
  do.
• 11:18
  But
• 11:18
  let
• 11:18
  me
• 11:18
  give
• 11:18
  you
• 11:19
  some
• 11:19
  practical
• 11:19
  wins
• 11:20
  for
• 11:20
  today.
• 11:20
  I
• 11:20
  want
• 11:20
  to
• 11:20
  encourage
• 11:21
  you
• 11:21
  to
• 11:21
  go
• 11:21
  look
• 11:21
  up
• 11:21
  those,
• 11:22
  those
• 11:22
  able
• 11:22
  account
• 11:23
  programs
• 11:23
  in
• 11:24
  your
• 11:24
  state
• 11:24
  before
• 11:24
  you
• 11:24
  even
• 11:25
  go
• 11:25
  to
• 11:25
  bed
• 11:25
  tonight.
• 11:25
  Understand
• 11:26
  what
• 11:26
  it
• 11:26
  is.
• 11:27
  There's
• 11:27
  a
• 11:27
  website,
• 11:28
  able
• 11:29
  nrc.org
• 11:30
  that
• 11:31
  lists
• 11:31
  every
• 11:31
  state's
• 11:32
  program.
• 11:33
  Check
• 11:33
  out
• 11:34
  the
• 11:34
  diagnosis,
• 11:35
  make
• 11:35
  sure
• 11:36
  it's
• 11:36
  all
• 11:36
  set,
• 11:36
  and
• 11:37
  then
• 11:37
  write
• 11:37
  one
• 11:37
  question
• 11:38
  to
• 11:38
  bring
• 11:38
  to
• 11:38
  a
• 11:38
  special
• 11:39
  needs
• 11:39
  financial
• 11:40
  planner
• 11:40
  and
• 11:41
  get
• 11:41
  to
• 11:41
  know
• 11:41
  more
• 11:41
  of
• 11:42
  what
• 11:42
  you
• 11:42
  can
• 11:42
  do.
• 11:43
  That
• 11:44
  one
• 11:44
  step
• 11:44
  will
• 11:44
  cost
• 11:45
  you
• 11:45
  nothing
• 11:45
  and
• 11:45
  put
• 11:46
  you
• 11:46
  ahead
• 11:46
  of
• 11:46
  most
• 11:46
  families
• 11:47
  in
• 11:47
  your
• 11:47
  situation.
• 11:48
  Now,
• 11:49
  I
• 11:49
  talked
• 11:49
  about
• 11:49
  this
• 11:49
  a
• 11:49
  little
• 11:50
  while
• 11:50
  ago.
• 11:50
  Let's
• 11:50
  go
• 11:50
  to
• 11:51
  Proverbs
• 11:51
  13:22.
• 11:52
  It
• 11:52
  says
• 11:53
  good
• 11:53
  people
• 11:54
  leave
• 11:55
  an
• 11:55
  inheritance
• 11:55
  to
• 11:56
  their
• 11:56
  grandchildren,
• 11:57
  but
• 11:58
  the
• 11:58
  sinner's
• 11:58
  wealth
• 11:58
  passes
• 11:59
  to
• 11:59
  the
• 11:59
  godly.
• 12:01
  Today's
• 12:01
  not
• 12:02
  about
• 12:02
  being
• 12:02
  wealthy,
• 12:04
  it's
• 12:04
  about
• 12:04
  being
• 12:04
  intentional.
• 12:06
  It's
• 12:06
  about
• 12:07
  planting
• 12:07
  seeds
• 12:07
  that
• 12:08
  you
• 12:08
  know
• 12:08
  are
• 12:09
  going
• 12:09
  to
• 12:09
  outlive
• 12:09
  you
• 12:10
  because
• 12:10
  there's
• 12:10
  a
• 12:10
  purpose
• 12:11
  for
• 12:11
  that.
• 12:12
  And
• 12:12
  that's
• 12:13
  exactly
• 12:13
  what
• 12:13
  you're
• 12:14
  doing
• 12:14
  today.
• 12:15
  The
• 12:15
  accounts
• 12:16
  you've
• 12:16
  set
• 12:16
  up,
• 12:16
  the
• 12:17
  trust,
• 12:17
  the
• 12:17
  plan,
• 12:18
  they're
• 12:18
  all
• 12:18
  acts
• 12:19
  of
• 12:19
  love
• 12:19
  that
• 12:19
  are
• 12:19
  going
• 12:19
  to
• 12:19
  keep
• 12:20
  working
• 12:20
  after
• 12:20
  you're
• 12:21
  gone.
• 12:22
  Let's
• 12:23
  pray
• 12:23
  together.
• 12:24
  Heavenly
• 12:25
  Father,
• 12:25
  I
• 12:25
  want
• 12:26
  to
• 12:26
  bring
• 12:26
  this
• 12:26
  beautiful
• 12:27
  family
• 12:27
  before
• 12:27
  you.
• 12:27
  Right
• 12:28
  now.
• 12:29
  You've
• 12:29
  got
• 12:29
  a
• 12:29
  mom
• 12:30
  and
• 12:30
  dad
• 12:30
  in
• 12:30
  their
• 12:30
  50s.
• 12:31
  They're
• 12:31
  working
• 12:31
  hard,
• 12:32
  they're
• 12:32
  planning
• 12:33
  ahead,
• 12:33
  they're
• 12:33
  loving
• 12:33
  a
• 12:34
  daughter
• 12:34
  who
• 12:34
  needs
• 12:34
  them
• 12:34
  in
• 12:35
  ways
• 12:35
  that
• 12:35
  most
• 12:35
  people
• 12:36
  can
• 12:36
  never
• 12:37
  have
• 12:37
  imagined.
• 12:39
  So,
• 12:39
  Lord,
• 12:40
  right
• 12:40
  now
• 12:40
  I
• 12:40
  want
• 12:40
  you
• 12:40
  to
• 12:40
  give
• 12:40
  them
• 12:41
  wisdom
• 12:41
  as
• 12:41
  they
• 12:41
  sort
• 12:42
  through
• 12:42
  this
• 12:42
  difficult
• 12:43
  situation.
• 12:44
  The
• 12:44
  accounts,
• 12:45
  the
• 12:45
  trust
• 12:45
  and
• 12:45
  all
• 12:46
  those
• 12:46
  benefit
• 12:46
  rules.
• 12:48
  Give
• 12:48
  them
• 12:48
  peace
• 12:49
  while
• 12:49
  they're
• 12:49
  planning
• 12:49
  and
• 12:50
  help
• 12:50
  to
• 12:50
  keep
• 12:50
  them
• 12:50
  from
• 12:51
  feeling
• 12:51
  overwhelmed.
• 12:53
  Protect
• 12:53
  them
• 12:53
  from
• 12:54
  discouragement
• 12:54
  when
• 12:55
  the
• 12:55
  systems
• 12:55
  are
• 12:56
  slow
• 12:56
  and
• 12:56
  the
• 12:56
  answers
• 12:57
  are
• 12:57
  hard
• 12:57
  to
• 12:57
  find.
• 12:59
  And
• 12:59
  remind
• 13:00
  them
• 13:00
  that
• 13:00
  the
• 13:00
  careful,
• 13:01
  those
• 13:01
  unglamorous,
• 13:02
  that
• 13:02
  year
• 13:02
  to
• 13:03
  year
• 13:03
  and
• 13:03
  day
• 13:03
  to
• 13:03
  day
• 13:04
  work
• 13:04
  they're
• 13:04
  doing
• 13:04
  is
• 13:05
  not
• 13:05
  going
• 13:05
  unnoticed
• 13:06
  by
• 13:06
  you.
• 13:07
  And
• 13:08
  yes,
• 13:08
  help
• 13:08
  them
• 13:08
  take
• 13:08
  that
• 13:09
  one
• 13:09
  step
• 13:09
  this
• 13:10
  week,
• 13:10
  just
• 13:10
  one.
• 13:10
  Lord,
• 13:11
  that's
• 13:12
  enough.
• 13:13
  And
• 13:13
  we
• 13:14
  ask
• 13:14
  this
• 13:14
  in
• 13:14
  Jesus
• 13:15
  name.
• 13:16
  Amen,
• 13:18
  friend.
• 13:18
  Hear
• 13:19
  me
• 13:19
  on
• 13:19
  this.
• 13:20
  You've
• 13:20
  done
• 13:21
  more
• 13:21
  than
• 13:21
  most
• 13:21
  families
• 13:22
  ever
• 13:22
  do.
• 13:24
  You've
• 13:24
  set
• 13:24
  up
• 13:24
  that
• 13:24
  trust.
• 13:25
  The
• 13:25
  retirement
• 13:26
  is
• 13:26
  funded.
• 13:26
  Your
• 13:26
  house
• 13:27
  is
• 13:27
  nearly
• 13:27
  paid
• 13:27
  off.
• 13:28
  Today's
• 13:28
  about
• 13:29
  making
• 13:29
  the
• 13:29
  most
• 13:29
  of
• 13:30
  the
• 13:30
  Runway
• 13:30
  you
• 13:30
  still
• 13:31
  have.
• 13:32
  So
• 13:32
  like
• 13:32
  I
• 13:32
  said,
• 13:33
  go
• 13:33
  look
• 13:33
  into
• 13:33
  those
• 13:33
  able
• 13:34
  accounts.
• 13:34
  Maybe
• 13:35
  consider
• 13:35
  putting
• 13:36
  some
• 13:36
  money
• 13:36
  into
• 13:36
  that
• 13:36
  trust
• 13:37
  right
• 13:37
  now.
• 13:37
  Look
• 13:38
  at
• 13:38
  that
• 13:38
  brokerage.
• 13:39
  Make
• 13:39
  sure
• 13:39
  it's
• 13:39
  going
• 13:39
  to
• 13:40
  work.
• 13:40
  And
• 13:40
  talk
• 13:41
  to
• 13:41
  that
• 13:41
  special
• 13:41
  needs
• 13:42
  financial
• 13:42
  planner
• 13:42
  about
• 13:43
  life
• 13:43
  insurance
• 13:43
  because
• 13:44
  that's
• 13:44
  one
• 13:44
  thing
• 13:44
  I
• 13:44
  think
• 13:44
  you
• 13:44
  might
• 13:45
  have
• 13:45
  overlooked.
• 13:46
  But
• 13:46
  just
• 13:46
  take
• 13:47
  one
• 13:47
  step
• 13:47
  this
• 13:48
  week.
• 13:50
  Maybe
• 13:50
  you've
• 13:50
  got
• 13:50
  a
• 13:50
  question,
• 13:50
  too.
• 13:51
  Maybe
• 13:51
  it's
• 13:51
  not
• 13:51
  as
• 13:52
  heavy
• 13:52
  as
• 13:52
  this
• 13:52
  one,
• 13:53
  just
• 13:53
  something
• 13:53
  you
• 13:53
  want
• 13:53
  to
• 13:54
  get
• 13:54
  off
• 13:54
  your
• 13:54
  chest.
• 13:54
  I
• 13:55
  want
• 13:55
  to
• 13:55
  encourage
• 13:55
  you
• 13:55
  to
• 13:56
  send
• 13:56
  it
• 13:56
  to
• 13:56
  me.
• 13:56
  You
• 13:57
  can
• 13:57
  do
• 13:57
  that
• 13:57
  by
• 13:57
  going
• 13:57
  to
• 13:58
  financiallyconfidentchristian.com/question
• 14:02
  We'll
• 14:02
  put
• 14:02
  a
• 14:02
  link
• 14:03
  to
• 14:03
  that
• 14:03
  in
• 14:03
  the
• 14:03
  show
• 14:03
  notes,
• 14:03
  but
• 14:04
  it's
• 14:04
  super
• 14:04
  simple.
• 14:04
  Just
• 14:05
  go
• 14:05
  to
• 14:05
  financiallyconfidentchristian.com/question
• 14:10
  Thank
• 14:10
  you
• 14:10
  so
• 14:11
  much
• 14:11
  for
• 14:11
  joining
• 14:11
  me
• 14:11
  today.
• 14:12
  I
• 14:12
  want
• 14:12
  to
• 14:12
  encourage
• 14:13
  you,
• 14:13
  as
• 14:13
  always,
• 14:14
  stay
• 14:14
  financially
• 14:15
  savvy.
• 14:15
  May
• 14:16
  God
• 14:16
  bless
• 14:16
  you.
• 14:17
  And
• 14:17
  you
• 14:17
  have
• 14:17
  a
• 14:18
  truly
• 14:18
  great
• 14:18
  day
• 14:18
  today.