 you know um have to put something down on paper i absolutely could put down a couple charities where any nickels left would go to them okay i think that's good i think you should have something also like what if you got sick and someone had to make a health care decision you have a friend a sibling anyone who can help you out yes all right that i want you to do i mean you should you should have something down on paper okay and do you have siblings i do yes okay so maybe what you do are they the beneficiaries of your retirement accounts