Don’t cheat yourself. Getting your house in order may cost you a little money, but believe me, not having your estate prepared correctly can be much more expensive and can create a lot of unnecessary stress for your family. And don’t forget Guardianship documents for the children. And think about the financial burden this can cause the people who are responsible for caring for your children in the event of your demise. How are you going to fund taking care of this expense? Children are expensive to raise; so, consider the responsibility you are asking someone else to shoulder in the event of your death. How would you feel if presented with this challenge? We went through three ways of getting guardianship from four sets of grandparents when we first got our son. As I have shared with you, we went through the process of adoption and probate on my granddaughter’s bank account. Then we were challenged with a custody suit because one set of grandparents decided to get married for the third time and decided they would challenge our right to have Greyson. Fifteen months and $21,000 later, they lost, and we won, and I am now in my late 70’s, raising a now eleven-year-old and loving it. I may have already shared this information with you, but at age 66, I entered the Institute of Certified Estate Planners and achieved the Master of Estate Planners. However, they taught theory. What I have been through has pretty much made me an expert on how to create a rock- solid estate plan that avoids the probate courts, guardianship, and unwanted relatives. Please, do not put off creating a solid estate plan; your family will thank you. Watch the videos on my website: https://tommylruff.com and then give me a call 870-715-9007, code 0011. Who Provides Income During the Social Security Blackout Period? The Blackout Period is the gap in Social Security survivor benefits when a widow is not yet eligible to receive payments. According to the Social
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