 401ks that's kind of the big one a lot of people don't realize because when you start a new job and you put your information down you're not required to put a beneficiary and most people are like i'll just get to it later but later never happens oh yeah that's true yeah later never happens oh my then it's then it shoulda woulda you know which i would have yeah um here's another question for you from our mailbag from kent he says we've been discussing our retirement plans and i'm wondering when is the optimal time to start planning for long-term care is it something i should have started thinking about earlier