 and you're gonna inherit some money that you have to liquidate. IRA money you have to liquidate within 10 years of passing of your mom and dad or granddad or aunt Mary or whoever it might be. A largest transfer of wealth, but what are you gonna do with it? If you're not any better at managing that money than you're managing your own, some of you are gonna be in trouble anyway. It doesn't matter how much money you inherit, whether it's a million bucks or 10 million bucks or whatever it is, but legacy planning, whether it's your own estate