INTRO
TONY: Welcome back to the podcast. Now, most people think wealth is lost in obvious ways—investments, market crashes, failed businesses. But that's not where the real damage usually happens. It happens quietly, through legal exposure, taxes, life events, and decisions made years earlier that no one thought to question. And by the time it shows up, it's often too late to fix.
Today's guest has seen this play out thousands of times. Ann-Margaret Carrozza is a wealth and estate planning attorney, a former New York State legislator, and someone who has advised over twenty thousand clients—from everyday families to high net worth individuals—on how to build, protect, and preserve what they've worked for.
What makes her perspective different is simple. She doesn't just understand the law. She understands how it changes, how it's applied, and where people unknowingly step into risk. She's also the author of The Smart Woman's Guide to Building and Protecting Wealth. And her work has been featured on major platforms such as Good Day New York.
In this conversation, we're going to break down the hidden legal landmines most entrepreneurs never see coming, the biggest misconceptions about protecting wealth, and what you should be thinking about right now—before something forces the issue. Because building wealth is one game. Keeping it is a completely different one. Let's get into it. Let's bring her on. Hi, Ann-Margaret. Welcome to The Tony D'Urso Show.
ANN-MARGARET: Thanks so much for having me. I'm a big fan.
TONY: So great to have you on. I've been waiting for this for a while, and so has the audience. We're looking forward to learning how to protect what we've built. We think we know—we've read some books, taken some webinars, maybe done some classes—but there are risks that most people don't see until it's too late. And that's really the biggie I want to address today.
Perhaps we could start with you. Can you take us back for a moment? Your backstory and journey are really unique. You went from public assistance to working with high net worth clients. What did that path teach you about wealth that most people never understand?

(BACKSTORY: MONEY ALONE DOESN'T SOLVE MONEY PROBLEMS)
ANN-MARGARET: Well, I think, Tony, it comes down to the fact that money alone does not solve money problems. And that seems counterintuitive at first. You may think, okay, I'm forty thousand dollars in debt—if I had forty thousand dollars, all of my money troubles would go away. But that is not the reality.
I have had occasion to work with lottery winners, and three out of three lottery winners that I've worked with blew through the winnings in record time. So they ended up with less money than they had before the win. When we talk about personal finance—and over the course of the past twenty years or so, we've all become really involved in learning about personal finance, Dave Ramsey and Suze Orman—if we don't have fundamental legal protections in place, and we don't have a fundamental appreciation and understanding and a comfort level with money, we're never going to keep what we have.
So I think it's super important, before embarking on a wealth creation journey, that we make sure there are no gaping holes in the bottom of our collective piggy banks. We want to make sure that we are not losing assets to a long term illness—forty percent of us will face that. We want to make sure we're not losing assets if we're among the forty-three percent of Americans who are going to get divorced. We want to protect assets from taxes, capital gains taxes. If your house has increased in value, we want to protect assets from estate taxes, not to mention ordinary lawsuits.
We are living in the most litigious society the world has ever seen, and I do think California is leading the charge with lawsuits. I was in Palm Springs not long ago, and there are billboards from law firms trolling for clients with the pitch, "Have you been subjected to workplace hostility?" What does that mean, Tony? Was I not invited to happy hour?
There was a guy in South Carolina last year who sued his employer and won—because he told his boss that he didn't want the little birthday celebration they did for everyone in the office. He was very shy, told his employer he didn't want that little birthday party, but they were undeterred and threw it anyway. He had a panic attack, rushed out of the office, and spent the rest of the day sitting in his car—and successfully sued for that.
So I think if we are a homeowner, if we own assets, we need to be thinking about protecting them. And I believe—if you protect what you have, more will come. I look back to being a child asking for a new Barbie doll, and my mother correctly pointed out, "Look at your other Barbie dolls. You shaved their heads off, you lost their clothes, one is missing a leg." I wasn't really taking care of the ones I had. So whatever little bit we happen to have right now, let's be a good steward of it, marshal our assets, take care of them—and then more will come.
TONY: It's absolutely stunning. I've been in corporate America for three decades, working for others, and way back in the day you could not stop in the hallway and say, "Hey, hi, how are you doing?" You would be written up. But today it's taken a one hundred and eighty degree turn. It is volatile. You don't know what's going on. Sometimes even a pleasant greeting can backfire. And I'm speaking from actual experience.
So it's astounding because we think we're protected. I know there are legal landmines we can step into. But we have to go to work. We are a boss, we're an entrepreneur, we own a business. Could you give us some of the common legal landmines that we could step into without even knowing?

(WILLS, PROBATE & THE MOST COMMON MISCONCEPTIONS)
ANN-MARGARET: Well, statistically, fifty percent of Americans have wills. And I think it's a big misconception that a will alone is enough to protect the family. A will does not protect us from having to go through probate. The laws in all fifty states say that in order for a will to be given effect, it has to go through the courthouse.
From a historical perspective, it's very interesting—it goes back to the fifteen hundreds. The process by which the surrogate court judge in your county of residence has to physically inspect the document, make sure it hasn't been tampered with, and reach out to all of the people who would be your heirs at law. The biggest problem with the probate of a will is that it takes, on average, seven to nine months, depending upon what state you live in. During that period, no one in the family is able to sell the home.
That means someone has to be fronting the expenses to keep pipes from bursting. And the most pernicious aspect of the probate is that you need to notify your homeowner insurance carrier and let them know that the house is vacant. What do you think is going to happen to those insurance premiums once you do that? They're going to double, maybe triple—because it's an empty house. But if you fail to notify the homeowners insurance, then you effectively don't have any, because you're required under the contract to let them know if the home is ever vacant. And you're also a big magnet for squatters. There's an empty house, there are people waiting to take up residence, and then you're dealing with another year or so trying to get them out.
So the number one thing we want to ensure is that we are protecting our loved ones from seven to nine months in probate court. And that's if everyone gets along well. If there's any complexity within the family, if we want to leave more for whatever reason to one child than another, this is going to be a complicated probate situation.
The other thing a will acting alone can't deal with is a blended family situation. If my new younger husband can't stand my adult children and vice versa, and he's living in a house that I own, and he's asking me to put his name on the house—I will always take care of your kids—that's ridiculous. You can't believe that. You need to deal with that within the estate planning. So these are some of the issues that come up.
TONY: We're speaking with Ann-Margaret Carrozza. We're talking about protecting your wealth and the legal traps that quietly destroy it. You can find out more about her at MyLawyerAnn.com. That's M-Y-L-A-W-Y-E-R-A-N-N dot com.
Ann-Margaret just shared something that many entrepreneurs learn the hard way. Building a successful business isn't just about making more money—it's also about creating systems that protect what you've built. Whether we're talking about legal protection, financial protection, or operational protection, the principle is the same: the stronger the foundation, the easier it is to grow.

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And now back to Ann-Margaret Carrozza, who's talking about some of the hidden legal landmines entrepreneurs and homeowners can step into without even realizing it. As you'll hear, some of the biggest risks aren't the ones people worry about—they're the ones they never see coming.
(ADULT CHILDREN, BLENDED FAMILIES & THE CHESS GAME OF PLANNING)
ANN-MARGARET: What if I have an adult child who moved back into the house—whether to take care of me in my later years, or because she was low on finances and looking to get herself together after a divorce? If I fail to address that adequately within the estate plan, her brothers may well say, "We're going to list the house for sale tomorrow. Pack your bags and leave."
So at the very least, we want to say that yes, the house goes equally to all of my children, but my husband Fabio has the right to continue to reside there for a period of X years, or until he voluntarily leaves, or he remarries. Or my adult daughter can continue to live there until my grandson graduates high school—whatever the case may be. It's almost like a chess game. We want to think ahead and imagine what the future possible items of contention might be between our loved ones, and see what we can do to smooth it over ahead of time.
TONY: You said it all. In fact, I know someone who I think has been over two years dealing with probate matters. I think you're being generous when you say seven to nine months—it can get really sticky. With nobody contesting it, sometimes it's just the paper trail, the documentation. You would think it's a simple matter, but it's been going on for years. It's ridiculous these days.
ANN-MARGARET: Absolutely. So if you are among the sixty-five percent plus of Americans who own a home—a condo, a co-op, a primary residence—you need to have that in a trust. A trust avoids probate. It's the same thing as naming beneficiaries on a bank or brokerage account. That asset becomes the property of the beneficiary the moment the primary person, the owner, passes away. So you definitely want to consider doing a trust for the real estate.
TONY: Ann-Margaret, I'm thinking about this. Some of us—especially when we're rolling with our business, hitting six or seven figures, adding employees—it's like, "Who's got time for that? I'm doing good financially, I'm growing, I'll deal with protection later." This is really what we run into.
ANN-MARGARET: One hundred percent. And I think it's unfortunate, but we are living in a gotcha society. If you're in the workplace, you know you can't tell someone, "That's a pretty dress." Was I making them feel awkward? Am I leaning too close? Am I in their personal space?
So I think when we adopt a mindset that we're living in a gotcha society, and we need to do everything possible to protect this little growing business—depending upon the business—you want this to be owned by a corporate structure. You want to think about having an S-Corp, a C-Corp, an LLC, an LLP, depending upon your particular situation. Those entities will protect you from garden-variety liability, but they will not in and of themselves protect you from having to go through probate later. So when you do an S-Corp, an LLC, a C-Corp, or an LLP, you also want to have a trust that is the owner of those corporate shares or LLC membership units. That's very smart to have the trust on that.
TONY: Very, very smart. I like that. And you know, in addition to business, there are threats to our wealth that have nothing to do with business performance or investing. You have a nice house, someone knows you have a nice job or a nice business, they fall on your property—you're in trouble.
ANN-MARGARET: One hundred percent. It is very common practice to hire someone informally—off the books, not withholding Social Security or worker's comp, paying someone cash to take care of your minor child, to clean your home, to care for an aged relative. Ladies and gentlemen, you cannot do that in this day and age. Often the caregiver who is insisting that you pay them cash knows the law better than you do. And if they trip on the stairs or cut themselves making your dad a sandwich, they're going to have a viable claim against your home.
I'll give you a great example—this almost happened in my own life. I had a very lovely young guy who used to clean the gutters on my home twice a year, and we would talk about our misbehaved dogs. I liked this guy so much. One day he called my cell, which I thought was odd, and asked me if I did personal injury litigation—which I don't. He told me that he fell on someone else's roof and was looking to sue them. And I thought, if this guy fell on my roof where I was paying him off the books in cash, I was a huge target. It just emphasizes the point that we can't be too careful today, because everyone has a potential claim against us.
TONY: That is scary. Completely. I've hired people who put Christmas lights on my house—go figure. You wouldn't think you need all this paperwork to protect you. It's a sad state.
As entrepreneurs and business owners in the audience, how do we get past this? How do we think about the law? It sounds a little confusing, but we need to start getting this in our minds. This is critical.



(STAYING CURRENT: LAWS CHANGE, AND SO MUST YOUR PLAN)
ANN-MARGARET: Yeah, one hundred percent. And I think it's a matter of keeping current. Get some good information sources—and that's what you do out there constantly, Tony. With your huge audience, you're giving them timely information. And one of my takeaways from having been a legislator is that it's not one and done. You can't learn the law today and then be good to go forever. You have to keep on top of it because the laws change.
And with that—what's the big assumption that we have totally wrong about asset protection?
I think one assumption is that those who follow the estate tax issue know that right now in twenty twenty-six, the federal estate tax threshold is fifteen million dollars. So people who may be below that threshold think they can permanently tune out with respect to estate tax planning. But nothing could be further from the truth. What goes up in the current administration can come crashing down in a future administration.
In New York, where I practice, we have a new mayor—Zoran Mamdani—who has proposed that New York State, which is one of sixteen states that has a standalone separate estate tax system, lower the New York threshold to seven hundred and fifty thousand dollars. That would ensnare everyone who has a home and any savings to speak of. And he has proposed increasing the maximum estate tax rate from sixteen percent to fifty percent. So you need to retain flexibility within your documents. It's the good and the bad—it's not one and done.
TONY: What Ann-Margaret just said really stood out to me. The idea that protecting your future isn't something you do once and forget about. Laws change, circumstances change, businesses change, life changes. And sometimes the biggest mistake isn't making the wrong decision—it's delaying the right decision for too long.

(Elite Entrepreneurs Newsletter)
Before we continue, I just want to take a moment to thank you for being here. Your time and attention truly matter to me, and I appreciate you choosing to spend part of your day with me. If today's episode is giving you something to think about, be sure to follow the show wherever you're listening so you don't miss what's coming next. And if someone comes to mind who could benefit from this conversation, please share it with them.
Also, if you're not already receiving my Elite Entrepreneurs newsletter, you're always welcome to join us. A couple of times each month, I share insights from world class entrepreneurs, practical ideas you can apply right away, and updates on what's happening across the show and community. You can find it at TonyDUrso.com. That's Tony D-U-R-S-O dot com. Thank you for being here.
And now back to Ann-Margaret, who was talking about why asset protection isn't a one-time event and why waiting until later can sometimes create problems that are much harder to solve.

(DON'T LET THE PERFECT BE THE ENEMY OF THE GOOD)
ANN-MARGARET: I think the impediment to dealing with all of this is, "I know I need to do it, I'm going to get to that next year." I don't think we can do that. We have this to-do list in our minds, and it really dampens our efficiency. If I look at my table and I have a stack of papers and a huge mountain of things I need to do, that's going to make me feel less efficient.
So I think there's a great amount of wisdom in just getting rid of some of the things on the to-do list. Maybe I'm not going to learn Italian this year—let me just get that off my mental list. And maybe I'm not going to attack the entirety of my asset protection and estate planning this year. But let me take the first step.
Don't let the perfect be the enemy of the good. On my website, there is a health care proxy that is valid in all fifty states. You don't need a lawyer to do a health care proxy. I was a co-sponsor in the nineties in the New York State Legislature of the health care proxy law, and it's designed to be a DIY document. Download that off the website. Appoint a person who can make decisions for you in a hospital setting if you can't speak for yourself. That's step one.
You also want to execute a durable power of attorney—naming someone who can run your business for you, who can handle banking and financial transactions for you in the event that you're unable to do so. When we start to put these building blocks in place, we feel a little bit virtuous.
I view estate planning and asset protection as our last act as a parent. When we go back in time to when we were expecting our little ones and were making sure the nursery was perfectly outfitted—our last chapter of the parenting journey is when we die. Do I really want to leave a tangled mess for my grieving children? That's a very sad way to end the parenting relationship, as opposed to doing everything within my power today to save them from paying taxes they don't have to pay.
Paying taxes is mandatory, but overpaying taxes is just plain stupid. We can avoid the vast majority of capital gains taxes. We can avoid a lot of estate taxes. One of the biggest mistakes that people who have life insurance make is listening to the guy who sold you the policy when he said it is tax free. Life insurance is income tax free. It is not estate tax free. So that death benefit is subject to forty percent federal estate taxes—unless you simply do a life insurance trust and transfer the ownership of that policy into it. Now, magically, the entire death benefit will be free from estate taxes. These are easy, achievable things that we all can do.
And once we do them, we feel a little bit virtuous. For any of your listeners who were fans of the Laws of Attraction—I think taking care of what we have now and ensuring a friction-free transition to the next generation really is acting as if. We're acting in accordance with having wealth, because that's what a responsible steward of wealth does.
TONY: Absolutely amazing. I wanted our audience to understand some of the topics we're talking about and why it's so important for them—all genders. Before I bring up the book, just so they understand what we're talking about. The book is The Smart Woman's Guide to Building and Protecting Wealth. We've spoken about some of the principles here, and I understand you're pointing it to women, but your information is applicable to all genders. So over to you to tell us about the book and why the title is that way.

(THE BOOK & WHERE THE MOST UNEXPECTED DAMAGE HAPPENS)
ANN-MARGARET: Yeah, absolutely. The advice in the book is for men and women. There's no separate internal revenue code for women and a separate one for men. I think I targeted the title toward women because women statistically have greater levels of financial stress. This could be the fifteen-year-old kid who's asking you for two hundred dollar sneakers, and your heart hurts because you know it's not the right financial move for your family. But it really hurts to say no. So we talk through a lot of these scenarios in the book.
TONY: And I'm sure you talk about taxes, divorce, long-term care. Is there any area or field where we see the most unexpected damage happening?
ANN-MARGARET: I would say that's the long-term care arena. The good news is we're all living longer. But the corollary to that is that our healthcare costs as a senior are the highest in the world. In New York, where I practice, the monthly cost of a nursing home is approaching sixteen thousand dollars. And people mistakenly think that Medicare and the Medicare supplement are going to cover that. They absolutely don't.
A relatively small percentage of folks have long-term care insurance, but even there, there's exposure. If the policy I bought covers three hundred dollars a day and the real cost in my area is six hundred dollars a day, you are still in my office applying for the state Medicaid—or the Medi-Cal program where you are—to cover that gap.
So under federal law—and this applies regardless of what state you live in—there is currently a so-called five-year lookback period before your state's Medicaid program will pick up the bill for your long-term care. In order to satisfy that five-year lookback and create a cloak of invisibility around your primary residence, you want to create a properly drafted asset protection trust for your home. This is a no-brainer, in my opinion.
If the trust is properly drafted, you're going to retain the ownership rights, but the actual legal ownership is in the name of the trust. You must appoint another person as the trustee—so it's not a living revocable trust. But if it's properly drafted, you will retain the ability to veto any decisions that your trustee makes. You can block them from doing anything without your written permission. This is a beautiful device to get this so-called five-year clock under your belt.
On the other end of the five years, the real estate that you put into this trust can never be looked at by your state Medicaid program, and will one day go to your named beneficiaries free of all capital gains taxes, free of probate, and free from long-term care claims. I would say that is really the number one thing that people want to look into.
TONY: Ann-Margaret just shared something that I think applies far beyond estate planning. She talked about taking the first step—not doing everything at once, not creating the perfect plan, just taking the first step. And that's a lesson that shows up in almost every area of life.
After interviewing hundreds and hundreds of successful entrepreneurs, investors, founders, and leaders, here's what I've noticed: most people don't fail because they lack intelligence. Most people don't fail because they lack opportunity. They fail because they postpone important decisions—not necessarily forever, just long enough. We tell ourselves we'll get to it next month, next quarter, next year, when things settle down, when business slows down, when we have more time.
But life has a way of moving forward whether we're ready or not. And that's why I found this conversation so interesting. Because at first glance it sounds like we're talking about trusts, wills, taxes, and legal documents. But underneath all of that is a much bigger idea—responsibility, stewardship, taking care of what we've been entrusted with, whether that's our family, our business, our health, our finances, or our future.
The best time to solve a problem is before it becomes one. That's true in business, it's true in leadership, and as Ann-Margaret is explaining, it's certainly true when it comes to protecting what you've worked so hard to build.
Now let's get back to Ann-Margaret, who was talking about one of the biggest risks people face as they grow older, and why planning ahead can make a tremendous difference for both you and your family.

(NON-TRADITIONAL ASSETS, CRYPTO & CHOOSING THE RIGHT ATTORNEY)
ANN-MARGARET: What about non-traditional assets? You're thinking of crypto—that could be one of them.
Every state is a little bit different right now and everyone is getting up to speed with respect to how to deal with this. As a blanket statement, you create a trust, and you would do a legal assignment of your crypto assets. And you want to give the credentials to your point person. I have had people frozen out of Bitcoin because they didn't have the credentials, and that was a lost asset to the family. So it's super important that you give your login information to your inner circle. Give your social media passwords to your inner circle.
I'm sure many of the folks listening have had the awkward experience of going on to Facebook and being notified about the birthday of someone who died two years ago. Our life is a little bit different today, and that really underlines the need to keep current with all of this.
TONY: That can be a big hassle in itself—all those passwords and all that knowledge. It almost seems like a confusion sometimes. And we definitely have to go through your book and apply it to our situation. This is so important because the world keeps changing. We think we know it today, but next week something totally different could happen. So the rule here—I believe the protocol is get as informed as you can so you can deal with whatever comes. If something new comes, it's a small step as opposed to a major chasm in your assets.
ANN-MARGARET: One hundred percent. And I think there's a big misconception that this whole field has to do with mortality and thinking about death. No—this is about protecting myself in the first instance. Yes, I want my kids later to have a smooth transition. But I also want to set up a little protection around myself so that I'm not a target to trip-and-fall actors. And I want to put some advanced directives in place for the future care and feeding of myself twenty years from now.
You know what the number two fear out there is? The fear of aging. And we can take some of the teeth out of that fear by setting up advance directives. We spoke about the health care proxy—who's going to make decisions for me in a hospital setting. I also have on my website my own living will, and you're free to use it as your own. It's in Word format. You can download it and change what you don't like about it. My living will says: if I ever need care, I wish for the care to be provided in my own home. I don't want to go to a nursing home. And I think the vast majority of us can avoid that if we have some planning in place, so that adult children or other caregivers are not left scrambling when the piano falls on their heads.
When we put these advanced directives in place, we're wrestling some of these demons into submission. We feel a little lighter. We've dealt with a few of these to-do action items that are clogging up our minds. There's something called the Zeigarnik Effect—a psychological term for the little boost we get when we complete or delete some of these to-do action items in our lives. So do I think that you're going to be happier if you come into my office for estate planning? I actually do.
TONY: I like that a lot. And I like the fact that you have your living will on your site. Now we're not all listening from New York, so we're in different states. I'm sure there are similarities, but we'd still need to take it to an estate planning attorney in our own state?
ANN-MARGARET: Not with the health care proxy—that is one hundred percent equal in every state in the union. You do not need an attorney to do a health care proxy. Living wills have varying levels of scrutiny depending upon what state you live in. In New York, they don't carry too much weight, so the highest purpose of the living will is really to inform your inner circle about what you want and don't want.
Power of attorney and a trust—definitely get yourself to an attorney who knows what they're talking about. And sadly, not every attorney does. In the book, I share the story about a good friend of mine who's a personal injury attorney who called asking if I would review a trust for him. I took it home and it was like the legal equivalent of a horror movie. He was referring to provisions of the Internal Revenue Code that had been repealed in the early seventies. It was very clear that he found an old template from some retired or dead attorney and had his secretary cut and paste his client's name.
I called him Monday morning and said I needed some more information about his client. Should he have given me any information about his client? No—attorney-client privilege. And sure enough, in my fax machine ten minutes later were their account numbers, their Social Security numbers, on and on and on. So I cobbled together a decent trust for them and said I made some changes. Not a semicolon remained from the garbage he gave me. But needing to not be rude, I said I made some changes. And he said, "Good to know I was generally on the right track." My hair stood up on end.
And to make matters worse, he then hung out a shingle that he was practicing trust law—with this one Ann-Margaret Carrozza trust. Out of twenty different types of trusts I might use for a given client, he has this one trust. And like a broken clock, he's right twice a day.
So I want to caution folks—it is Russian roulette out there. People may or may not know what they're talking about. I would encourage you to look up the attorney you're thinking about going to online first, see if there are complaints against them with your state attorney general, and maybe have a conversation with them before going in for an appointment. Because a lot of it is chemistry.
My clients tell me more than they might tell their therapist—and they have to. If you are concerned about a daughter-in-law who spends money like a drunken sailor and you're worried about leaving your son one third of the estate outright because you know she's going to have it spent for him in two years—we need to talk this through. Maybe he gets his share five percent a year for twenty years. Maybe you have a child on the autism spectrum or with a developmental disability, or another child who is just a financial train wreck and needs some guardrails structured within the estate plan.
It's great for the family as a whole. If you have a beneficiary who blows through their money in two years after death, they're going to be haunting your other two children for handouts. So you're really pitting beneficiaries against each other unless you try to look a few chess moves down the road—protect them from evil doers outside, protect them from each other, and protect them from themselves. We as parents know our children like no one else does. And with a little sensitivity and creativity, we can continue to parent them.

OUTRO
TONY: I am so glad you brought that up. I've seen that myself with my own eyes. And it's so critical—just because something's on the internet and says "this is the way to do it," you don't know if it's good or bad or indifferent. You've got to check it.
So I highly recommend everybody go to MyLawyerAnn.com, get her book, check it out. It applies to anyone that has a job, anyone that works, anyone that has a house, or has the potential of getting a house. Just about everybody here on earth—this really does apply. And it's something you've got to think about.
Ann-Margaret Carrozza, I want to thank you so much for coming on and giving us this. It's a mind opener. It's important. It's not something you think about every day, but we have to think about it.
ANN-MARGARET: Thanks so much for having me, Tony.
TONY: Wow. Absolutely. Again, a mind opener. Such good advice. So many good things. I really, really appreciate this and I really appreciate having her come on and sharing this.
Guys, if you like this, share this with your friends. Tell them about Ann-Margaret Carrozza, tell them about her site, her book, and about trusts and wills and all these points. It's like an overload, so you've got to take it in pieces. Take it one at a time and make sense of it. The thing is—whether you do it now or later, you need it. And if you do it later, what happens if something happens now? So put this in your planning, put this in your life. Work out your wills and your trusts. She gave such great advice. I'm going to go through this again.
And guys, wherever you're listening or watching this, please follow the show. It helps to bring more amazing guests to you. All right. Let's use this and let's help you move on your journey to success. Thanks. Remember, just take action. Success awaits those who persevere and remain steadfast despite the odds. Sow good seeds, do good deeds. And I'll see you on the next episode.