 to me that's how you live a rich life sarah right it's not just counting your net worth knowing that someday when you're dead and don't see it that somebody's going to benefit from this it's really about seeing it happen as you're alive and the best way to do that isn't to give up a lump sum because if you for most people if you give a lump sum to children grandchildren or cherries while you're alive and you need major health care later in your life you could be in trouble right so for most is not the answer