Insurance brokers tend to be competent educators.
Wills are easy to create using online templates. Make at least two physical copies, one digital, and get them notarized. Store them in different places. And, make sure several people know where they’re stored even if they don’t have access to that place.
Wills can be very simple, such as “all to wife”. Mine is barely more complicated than that, just providing a series of two alternatives for if my wife is also deceased.
Sounds like you were a salesman either more than fifteen years ago or you didn’t have access to sell predatory products. This too has been slowly enshitifed since the partial repeal of Glass-Steagall and the Interstate Banking and Branching Efficiency Act.
NYC-DSA, 20% of gross capital gains
If you’ve an IRA and are not actively managing it then thank you for your contribution.
This would destroy the basis of segregation of ownership from operational control from liability. Corporations would be effectively illegal. Our incarnation of capitalism would fail. Lots of people would further sacrifice and suffer for such a glorious victory for We the People.
The one after Luigi.
Our team sailed our project into rough waters. For some reason one team member absolutely could not understand why we needed to steer the bow of our ship into the waves. Despite every educational effort she kept insisting that we needed to take the waves broadside.
Then, one day she tried to grab hold of the helm. So, I wrapped my arms around her as tight as I could, told her we’d die together, and jumped off the fucking boat.