a s***tload of money to do this but my estate is no longer subject to whims of Wall Street investors, fiduciary fees, etc. It took a while to figure out how to accomplish it, but my estate is not subject to Trust rules or probate, ensuring that every charity I wish to leave my money to will not only get the full amount I have left to them, but the disbursement will be expedited because there is no Trust or probate to impede the distribution. My worth is mid-seven figures.

This deep dive into how I could accomplish this truly exposed to me the farce that Congress is feeding us about the middle class putting money in an IRA for retirement. IRAs may be the solution to some, but if you have no human beneficiaries to your estate the path must be forged alone.

But, I persisted. HRC would be proud!!

Each generation has them. McDonalds 1968, Intel, Micron Apple 1990, Microsoft, Google, Facebook, Home Depot, TSLA et al. They grow and split, and grow again.

Paying mutual funds to diversify and manage is for the benefit of the fund managers and not you. They are leeches.

Yes there are low cost index funds, but there is concentration risk with that strategy because they all own the same stocks.

Beware even if you use a stockbroker, they can charge up front 3% or more. At least there isn't the yearly churn.

financial advisor. I suppose he costs me money, but what he's done for me has been well worth it. I could not have possibly gotten the same returns on my own. He spends his working day looking at and analyzing, everything in the stock market. Every quarter we have a phone conversation, where he explains to me what's going on with my account, what he's doing with my investments.

Among the things he's done is to get me into two annuities, that I'm currently taking money from. They give me stable income, along with a small pension and my Social Security. I also take money from the investment account. I have a decent, reasonable income, close to the median income where I live. I do live frugally, and can afford what I want. I get to do various things, such as attending science fiction conventions (hooray!) or taking the train to Kansas City to visit my sister there.