The Idiots Guide
Sometimes it's about "ADULTING" enough for the day, and other times it's about Keeping a job, Feeding the family, Educating the kids, and Buying the stuff.
Most of us were taught how to read, write, and math good.
But never taught how to file taxes, change a tire, or cook a meal.
How in the world have we survived?
Well, have no fear, the Idiots are here to guide you.
We don't know much more about all the stuff but we might be just a little further down the road than you.
Make no mistake, most of our advice is more like don't try this at home.
Hope it helps!
The Idiots Guide
Securing Your Legacy: Estate Planning Essentials for Peace of Mind Ep70 TIG
Planning for death may not be the most exhilarating topic, but avoiding it could leave your loved ones facing a legacy of chaos instead of care. Join Joe Haslam and me as we unpack the intricate world of estate planning and inheritance, shedding light on how critical early financial decisions can be. We’ll share personal stories illustrating why settling your affairs sooner rather than later can spare your family from disputes and financial burdens. From wills and trusts to the importance of distributing possessions before it's too late, we uncover the keys to ensuring your loved ones inherit more than just unresolved issues.
Prepare for the inevitable with confidence as we discuss crucial strategies for end-of-life planning and financial readiness. Inspired by military precision, we emphasize the need for a "go bag" filled with essential documents to streamline survivor benefits. We’ll explore diverse burial options and the significance of setting up funds for those unavoidable costs, all while fostering open conversations about legacy and end-of-life wishes. Moving beyond wealth, we delve into building a lasting family legacy that resonates through values, skills, and traditions. Discover how to create a meaningful inheritance that truly impacts future generations.
Today on the In Its Guide. All right, let's get real. This isn't the most glamorous topic, but it's one of the most important. We're talking about the final life stage, death and inheritance. What do we leave behind for the people we care about most, whether it's a legacy of love or a stack of unpaid bills? Your early financial choices shape how this story ends. So today we're going to break down the big things you can do to make sure your loved ones are set up for success, the common financial missteps to avoid, and how to leave behind more than just memories.
Speaker 1:I'm your host, adam Richardson, aka the Profit Hacker, and I'm joined by the man in charge, mr Joe Haslam. Welcome to the Idiot's Guide. Okay, so I think, like I'm I hope I'm not qualified to talk really much into this subject other than you know, like you you talk about, there's individuals who do like estate planning and that kind of stuff where you're like okay, well, like, this is the casket that you wanted. I don't know what, I don't, I'm guessing what planning does, but it's probably more. It's probably more about you know, trusts and wills and those things, and that that's. That's definitely something we may address in this, but, but, but more so like in this sense, I think, just like our last episode, we were talking like. I think, just like our last episode, we were talking like from the context of our audience. Our audience, hopefully, isn't in this realm at all either.
Speaker 1:We don't have ghosts watching. I don't know.
Speaker 2:I thought you were going down the road of you know I'm not qualified to talk about this because I'm not dead and then I was going to go all M Night.
Speaker 1:Shyam shamalan and say I've been a ghost this whole time. I just watched the new beetlejuice movie and like that was kind of interesting, like the, the twists. You know like obviously beetlejuice is based on seeing dead people and you know, like that, it's just, it was, it was okay anyway that Anyway, that's a different, that's a different topic for a different time, but anyway, so right now, it's it's early choices that make lasting impact. It's start planning now. Even though you're hoping you're it's not to plan. Like you know, next Tuesday is the day that happens.
Speaker 1:I think a few episodes ago I was really kind of dark and gloomy about it where I said you're not guaranteed tomorrow. So there's always the possibility. But realistically, what we're talking about is you are, you're at the tail end of your years, you're at the tail end of your golden years and you don't just want to poof up and smoke and leave a whole pile of problems for everybody to deal with. There are things you can put in place now that help so that when poof happens, you don't just you know it's not a giant question mark for a lot of the things that you know that could potentially become problematic once you're not in the picture anymore, once you've gone to the great beyond.
Speaker 2:Death is an important stage to plan for because it is a part of our financial life. Everyone will die, and it's a matter of what do we do with that and how do we make sure that when that happens because it is inevitable as much as these weird fringe individuals are trying to fight death it will always happen. Um, it's, and we have to know what's going to happen. And when you've got loved ones, you've got to make sure that they are taken care of, because death is expensive. Death is very expensive.
Speaker 2:You, you talked about caskets, burial grounds. You want to talk about the funeral. You've got to talk about if they're in a hospital, if they need hospice care, if there's a lot of things that are going to be needed as part of this death process. That is very expensive, yeah, and if you're not careful with it, you can end up causing your family a lot of financial distress with your death, and so that's where you've got to think about that and plan for it. How are you going to dispose of all of your worldly objects? Because if you're not careful with that, that could create family squabbles, and now you've got conflicting family and you know your death has now caused a rift among your children and grandchildren or uh other relatives and hopefully.
Speaker 1:I mean this isn't for everybody, but but you know, most people, by the time they are that age, have experienced at some capacity, that experience where you go. You know, okay, well, grandma passed away and you know, and, and she left all of this stuff and I really want that picture, you know like, and I really want this lamp and I really want that grandpa's bowling ball collection. You know like, I don't care what it is like it it becomes so materialistically wartime for your, for family. My, my, my wife's family has 10 siblings and so like, imagine 10 tribes getting like parsing out all of the stuff that that that was left behind and it was just, it was a nightmare of a mess.
Speaker 2:Well, and starting talking about starting planning now, uh, my former grandmother-in-law uh, was very smart about this. She knew that there were certain family members that were going to try to come in and take everything, because they were very materialistic. So every Christmas she found things that she wanted to go to certain people and she gave those out as the Christmas gifts, and so that was her way. I mean, she didn't need these things anymore. They were going to be part of her. You know what she was going to be giving to people, but to make sure that it was never contested, she gave it to them early.
Speaker 1:My my mom did that with her mother's things.
Speaker 2:So, yeah, a little bit different, but, like it, like preemptively, I'm starting to get that stuff from my my mom now where I'm like I well, like I didn't want this, yeah, so, but yeah, it's that idea of when you start planning you all right, okay, you make sure that those things are passed down to the people that you want them passed down to. Yes, you know, I have a a pair of uh, my former grandfather-in-law's cufflinks, because I was very close to him, because I never had grandfathers growing up and so I was very close with him, and she wanted to make sure that I got those. I'm not a family member or anything of them blood family or anything, so she wanted to make sure. So she gave it as a Christmas gift to make sure that those things were passed on the way that she wanted to.
Speaker 2:It's little things like that. To make sure that it's you're making sure that, as part of your the inevitability, that things are handled the way that they need to be handled, and you can be sensitive about it, you can be straightforward about it, um, but just making sure that it's being done and planned for early and well in advance. Yeah.
Speaker 1:Yeah, I mean, starting early means you have more time to you know, more time for the growth and fewer headaches later when you're trying to sort out your stuff and realistically, like, if you procrastinate, if you don't have that forward thinking where you're like Merry Christmas, happy birthday, both at the same day, here's a box full of stuff you know, you know like, then then that's going to lead to panic later when, when either you're trying to sort out your estate yourself before that you know that moment ticks down, or or you you're passing that responsibility on to, you know, a loved one you know, and and and that's just I don't know, I like for for me personally, I don't want to do that and I've, I, I I think about the stuff at home and hopefully it's not like you know a tomorrow thing for me, like hopefully I have a few more years on earth, but uh, but if, if I look at what I have even now and I go like holy crap, like they're in for a whole heap of trouble trying to get rid of this stuff, mainly my guitar collection.
Speaker 2:Yeah, and if this stage in life comes early. So we've been talking about a lot of different stages in life. If this comes early, in the midst of some earlier stages hopefully it doesn't, but no one's guaranteed tomorrow it's important to have those things in place early, like having a will, having life insurance, because you may not be ready earlier in life for this stage to happen, because you're short by 40 years from when it should be happening, naturally, and so you miss down on those 40 years. And there are ways to step in make sure there are are wills, make sure there's life insurance, things like that, so that if it happens early, your family is still well taken care of so, yeah, when we first started this series, we talked about this where it was.
Speaker 1:You know, planting the seed is, the earlier you start that, the bigger the tree can be right, and if, if plant the seed too late, you're going to have this little sapling that's just barely there and holding on, and that's a really difficult thing to really put on the rest of your family to handle, you know. So it's, it's okay if, if you're starting as early as you you feel like you want to do is there's there's never really an earlier moment like I don't really want to encourage my 14 year old son to be like I can't wait, you know, like I want to, I want to start planning now, but at the same time, I want to be like I'm so proud of him.
Speaker 1:He's so responsible, you know like personally, the earliest the better honestly, you're instilling really, really good habits that will strengthen every other stage of your life.
Speaker 2:I've talked to my children about death and you know about, you know eventualities and you know the necessities and things like that, so that they know. I mean I haven't gone into great detail, but they know I have an end-of-life sheet essentially that has all the username, passwords, all those kinds of things, so that you know if something were to happen.
Speaker 2:Yeah, yeah, I mean, they know where everything is. They know the life insurance happen. Yeah, yeah, I mean, they know where everything is. They know the life insurance, they know where, uh, you know all of the necessary documents are to make sure that everything happens there's um in the military.
Speaker 1:So for va benefits and things like that, they have what's called survivor benefits. So if, if something were to happen to me, my wife would have survivor benefits, well it's. It's usually a whirlwind of paperwork just to make sure that that happens. Like it's there, it's available, but it makes it's really challenging if you don't have all of that stuff together. So we have a what's called like. It's kind of like a go bag. Basically is we have a file that if, if, if that happens, that file gets pulled out and we go straight to the va and that is all of the information that they would need to make sure the survivor benefits are put in place immediately.
Speaker 1:So you know, like that's, that's a, that's a good thing to to do. You know that's a military aspect, but it's kind of in the same sense is I don't I want to have a go bag for my family rather than it be, you know, something where they're trying to put all the pieces together and sort this out and figure it out the best they can with limited things. Well, that you can't start early enough for that and you know. But but it's also like thinking just the simple steps, starting saving, you know, investing in something where it's consistent and making sure that you're regularly looking over your financial goals to make sure that they are what you are hoping and projecting for.
Speaker 2:Yeah, when your kids were younger, you probably established a college fund. You know, when your kids were younger, you probably established a college fund. Well, later on in life, establish a coffin fund, so that you've got plenty of money set aside for that coffin. Well, I mean, there's no problem with setting aside a coffin fund.
Speaker 1:You know it's part of inevitability Death is more inevitable than your kids going to college. To be honest, I'm going to go the affordable route and just get uh incinerated I plan on a natural death, no embalming, none of that.
Speaker 2:It's yeah, but yeah, I mean, those are the things that you want to think about, you want to plan about, you want to talk about so that everyone knows there's a joke that says every once in a while I cook with my grandfather.
Speaker 1:It's just, people complain about the ash flavor.
Speaker 1:It's the dark oh, that's so wrong if you're enjoying the episode and thinking about the legacy you want to leave behind, not just for your loved ones, but for the future generations, don't forget to help us out. Hit that subscribe, hit that, hit that button or hit that subscribe button so you, you never miss an episode. Give us a like. If, if today's tips got you inspired, leave us a comment and share your thoughts. We'd love to hear what's you know. What we'd love to hear is what's one thing you hope to pass on to your loved, your family or your loved ones. Maybe it's financial, a financial lesson, a treasured memory or that secret chili recipe. Share it in the comments. Your ideas might just inspire someone else's legacy or a video idea. So subscribe, like and let us know what matters to you most. Together, we can build a community focused on leaving behind more than just dollars and cents.
Speaker 1:So what are some like pitfalls or you know, oops moments? I think that we kind of take for granted in this, in this situation, I mean, like we can obviously say the worst case scenarios, but there are some things that might not be that devastating. There might not be worst case scenarios, but it still adds to the stress of that thing. Or you know, uh, you say the, the underestimating the cost of a coffin or like just the end of life costs, because if I want to be cremated, there's a pretty substantial cost just for cremation. There is, you know. So it's not a simple like. Yeah, you know, like we're gonna build a bonfire in the backyard and scoop it up into an old coffee tin. We're all done. You can't do that.
Speaker 2:I mean people are like, yeah, my dad's always talked about he wants a Viking funeral. That ain't happening. Not because I don't think it would be cool and pretty awesome.
Speaker 2:I think in Utah we're like the Jordan River that's on fire, that's just going to end up in Utah Lake. A, that's on fire, that's just gonna end up in utah lake, and that's it exactly. Um, so, yeah, I mean these things would be cool, but the reality is it's not likely going to happen. Yeah, um, I mean, I think if you spend enough money, you probably could get the permits to do something like that, but yeah, it is very costly. So, just understanding what your actual plans for end of life are I mean, I have my entire end of life already planned, so I have already looked into doing the natural burials and so you're just placed in a shroud, there's no embalming fluid and you are just buried in the ground, usually under a tree or something like that, where you are naturally helping the environment regrow well, they have those ones where you are a, you are, you're like a tree pod, yes, and you become a tree.
Speaker 2:Yeah, there are some great ways to do that, and so I have all this planned out. I know exactly, you know how it's going to happen. Wills trusts, financial plans, I have a DNR in place. All of these things for end of life are very important. If you don't have any of those, then it could add up the cost. So one of the reasons I have a DNR is I don't want to be a long-time burden on my family. So if I am in an accident or a serious injury or you know, genetically there's you know problems that would keep me in a hospital for a long time through, you know, emergency life saving techniques. I don't want that because that's a lot of extra cost. And so I have a DNR in place because I don't want to be that extra burden. And again, death comes to us all. So the idea of death is not scary because it happens to everyone. Yeah, it's a bummer because I'm no longer there, but it's. It's an important thing to think about.
Speaker 2:Uh, wills, knowing where the financials, uh, where the the objects, where the money, where everything is going post-death, you know who. Who gets my shares in the business after all this is gone. You know who gets. Who gets what? Who gets my life insurance? Where does that life insurance have to go to? Um, there's a lot of those things that if you don't have that in place, then any money that you have may end up in the government's hands. Objects that you have may end up with random people that you have no idea who they are, or with family members that you may not want them to have. If you don't have the right medical programs in place, then you may end up being an extra cost. You may be in a position where, if you are not fully cognizant of what's going on, you may be putting yourself in a greater burden of a life you never wanted. But because you didn't have anything in place, now you're living this lifestyle.
Speaker 1:Well, and I think an important element is, you know, thinking about a will and making sure that when you have a will, a will designates the fact that your family, you, actually get a choice to determine what, where, when, why and how, rather than just giving that to Uncle Sam and he figuring out what to do with it and going like who gets what? I'll take a little, you know and you know, rather than having some nobody cares individual there doing that and deviating out that estate. Having something like a will protects you from that, so that you know it's not just a. You know, whatever the government official decides they want to do with it, yeah and it's other things too.
Speaker 2:Most people think, oh, wills are for rich people, trusts are for rich people, I don't have anything, I don't have an estate. Well, if you own a home, even if you owe a lot of money on it, you have an asset, yes, and that home needs to be taken care of once you pass away. And so who's going to take care of the mortgage? Who's going to make, take care of making sure that house sells or goes on to an inheritor? Um, all these things that you think, oh, I don't really have a lot you really do.
Speaker 1:Yeah.
Speaker 2:And all of those things have to be thought out, because if you don't, then there's a lot of confusion, there's a lot of loss and and there's just a lot of, you're adding more grief to the situation, uh than just your passing, because now there's a lot of extra stress.
Speaker 1:So a pro in this is planning now prevents future family drama. The con is, ignoring these steps can leave loved ones in really financial chaos, and so I don't really want kids fighting over dining room set or you know, realizing that you know this, this is supposed to go and you know you forgot to update your will and all of a sudden, that person that isn't in your life anymore gets your inheritance because you didn't update that. So it's. It's like that stuff is realistically has happened, so it's. It's important to make sure that those things are, are there, that you have clear intentions that are put in, put in place that that way, the right people, or what they call beneficiaries, is updated and your end of life is at least a little more informed in the right direction. Yeah, and for all this stuff.
Speaker 2:I mean it sounds very complicated, very detailed, but I always recommend getting an attorney to help you out with this. There are a lot of attorneys who will do this pro bono. Getting an attorney to help you out with this. There are a lot of attorneys who will do this pro bono. If you don't have a lot of money. They're not going to charge you a lot of money, but they want to make sure that you are taken care of in your end of life, and so they will help you out.
Speaker 2:I think I've mentioned before some um uh websites that do a pro bono. All they ask is for donations that they can keep doing it. You know organizations like that exist all over. Yeah, and reach out to those to get that taken care of, because they will help you and they will do it for a very inexpensive price. You can even go to LegalZoom and get that taken care of for an inexpensive price and have it all reviewed. I would recommend actually talking to an attorney instead of LegalZoom for something like this. But all these things are in place to help you and there are people who genuinely do want to help you through all this process, because they see what happens if it's not done correctly and they will go out of their way to help people, to make sure that doesn't happen, that there are really people out there that do that I'm going to consult my reddit forum.
Speaker 1:I think just what's the best way to do this and what should I say on my will yeah, don't go to reddit for this advice.
Speaker 1:I get a whole bunch of people that chime in and give me some some good advice most not. Yeah, don't go to reddit, get a lot, all right. Legacy builders. Today's episode is all about what we leave behind for our loved ones and, let's be real, that starts with the financial choices we make today. That's why we're so excited to introduce the financial empowerment membership, your ultimate guide to planning smarter, building stronger and leaving a legacy that truly matters. With expert advice, simple tools and step-by-step guidance, this membership helps you take control of your finances now so you can avoid those common inheritance pitfalls later. Whether it's getting your will in order or setting up the right investments, or just learning how to make your money work harder for you, we've got you covered, because leaving behind love and security is a lot better than leaving behind confusion and debt. Join the Financial Empowerment Membership today and start building the legacy your family deserves. Check out the link in our show notes to learn more. Now back to the show.
Speaker 1:So, building that legacy. It's legacies. I guess a lot of people think about it like oh well, legacy. Then it's like a trust. Is that? Is it a trust fund? Did you create a family trust? And I'm going to get loads and loads of money. You know, and that's it. And the reality is is, you know, usually it's it's pictures and like it's yeah it literally isn't money, it's.
Speaker 1:There's some. Obviously that that's part of the legacy, but the intent is to pass on what you've put your heart and soul into, not the like grandpa's bowling ball collection, like I mentioned earlier, but maybe if you're passionate about that, like grandpa was, then it's probably your best bet there you go.
Speaker 1:But if, if, if, let's say, for example, you know you, you have something that you've, you've just you've been doing your whole life and you passed that one. You passed that you know kind of rite of passage onto a younger person in your family and you say, like man, these are the tools that I used for that. Like, like my grandpa is a good example of that. When he passed away, he had a whole workshop worth of like carpentry tools and in the process, when he passed away, like that was something where there wasn't really anybody else in the family that needed or could use them. So my dad and me we got, we got a lot of those carpentry tools. So some of them I don't even know what to do with it. I'm like, what is this thing? But I have to YouTube it. And I was like he wouldn't have not known how to do the YouTube thing. He'd have just been like this is what you do, son, but it's, it's those things, it's it's so many more things. It's not just memories, it's it's the, the skills that they've acquired, the, the traditions that they've built.
Speaker 1:So yeah, like, if you just look at like some monetary benefit because your, your grandparent, passed away, you know, one that's really shallow. I don't doubt there's people out there that are like that. They're like, thank God, what do I get? You know but, but get but your thoughts. As that person who wants to leave that legacy, I don't want it to just be a cash check. I want it to be something that has lasting value, that maybe they get to instill in the next generation after way, way beyond me, next generation after way, way beyond me. So if I can have that kind of ripple in my, you know, in my effort, then that's tremendous.
Speaker 2:Yeah, one of the best ways that I've ever learned how to do this is something called a family constitution. Now, this is something that's cool. That is not very common in the us, um, but throughout europe it actually actually is very common. I saw one where it was a company that helped families create family constitutions and they would create a 75-page document for a family constitution. Again, this was in Europe. In Europe, where there's a lot of old money, this is normal practice to have a family constitution.
Speaker 2:The family constitution goes through this is what we as a family believe, this is what we want to instill in our family goes through inheritance practices, so if someone's not living up to the lifestyle that you expect, they are taken out of the inheritance process.
Speaker 2:I mean, these are very, very complicated processes and documents, and then you have on the other side, in the US, probably more simplified versions of these. They're becoming more common as there is more wealth being generated and passed on in each subsequent generation, but they are from as simple as a plaque on the wall that just has your top 10 points of view, and so it just lists out we believe in family, we believe in God. Whatever it ends up being, it can be as simple as something like that To something as complex as an actual document that you pass down to future generations. This is what we as a family stand for. This is what I, as a person, hoped to pass on to my children, my grandchildren and on down the road, and so writing out a family constitution is a great and amazing way to be able to pass on what you feel is important to future generations.
Speaker 1:I think of like the word uh, cause I like the word is emancipate. But instead of emancipate, you defect because you are dropping your constitutional rights. You're like something like that. Can I defect to this household over here? You're like, yeah, come on, but yeah, and so doing something like this, and Can I defect to this?
Speaker 2:household over here You're like, oh, come on, but yeah, and so doing something like this and then, and, and writing, you know, writing your history, these are great ways to pass on a lot of that value and that's how you create a legacy, yeah.
Speaker 1:I mean, it's, it's the stories, it's the lessons. You know there's, there's loving moments that you have more of an opportunity to leave behind. That is far more of a lasting impression than any kind of money. Money absolutely matters, but but it money is, is such a fluid part of it that you're, you know you're going to see that legacy is, is, is less about your bank account and more about the life that you lived with your family. You know, yeah, so here's a pro Thoughtful planning creates emotional and financial security for loved ones. Okay, so, I'm thinking of others in my family. But a con is, it's easy to focus only on the dollars and forget the deeper impact of what a legacy actually truly is, or the identity of that. But, uh, you know, hopefully the idea is that your, your grandkids, don't just want your money. It's good, usually, I, I would hope that my grandkids want my money when I'm actually there having a conversation with them. You know, you know it's, uh, the bank of grandma and grandpa now, um, but I, I want them to remember the time that, uh, that they, that they got to, they got to see me make the world's worst pancakes. You know, I'm not a pancake maker. I can make pancakes. I'm not a pancake maker. I can make spaghetti to everyone else You'll love it. But pancakes or baking You're a baker. I can't bake to save my life. So I think what's kind of an interesting thing is this is something my grandmother did that I didn't recognize until later. It wasn't really necessarily to anyone, but on on certain heirlooms that I received from my grandmother in the in like tucked behind a picture frame, okay, or inside of a uh, something like with with a pile of recipes, okay, there was letters and notes written like things that were just encouragement things and and like I don't I don't know if I necessarily had the best relation, I didn't have the best relationship with my grandmother, but you know. But it was interesting to see like these indirect things stories, articles that you know highlight the life that they, that they lived and and the like little positive things and elements and notes and letters all over everything that they, that that that every one of us kids got, you know. So it was really kind of cool because that wasn't a monetary thing, that wasn't a money thing. Like I can't be like how much do I get for this kind of kind of thing? I? I cherish that item more now, because I know a piece of the history behind why that exists. Yeah, you know, and that's a really cool thing to really take away. You can't put a price tag on that, you know so. And that's a really cool thing to really take away. You can't put a price tag on that, you know.
Speaker 1:So here's some closing thoughts Start early, because your financial decisions now build the foundation for later to avoid pitfalls. Get a will. It's not difficult, it's not overwhelming, it's not for the rich people, it's for every people. Keep beneficiaries updated. So if you break up with somebody, let's make sure they're not in the will and plan for end of life costs, because it's really stupid, expensive. And the last thing I want to do as that legacy is to leave that bill for my loved ones. Remember, your legacy is more than just money. It's the love and lessons that you leave behind. So planning for the end isn't about being morbid or anything like that. It's about ensuring the people you care about most are supported and they're secure and maybe even smiling when you, when they think of you. So go, you know, plant that financial seed or tree and update that will and maybe teach your grandkids how to make actual pancakes, just in case. Just in case. Time for jokes with Joe.
Speaker 2:All right, here we go. A little bit of a light mood for a darker topic today.
Speaker 1:Oh, thank you, we're going to turn it around, I like this.
Speaker 2:So what do you call a shoe made from a banana peel?
Speaker 1:I don't know.
Speaker 2:A slipper, a slipper, I don't know A slipper.
Speaker 1:That I mean.
Speaker 2:I think that one's worse than the last one. These are dad jokes.
Speaker 1:They're great dad jokes they're intentionally terrible.
Speaker 2:But that's exactly what it is. You put on that banana and it is a slipper.
Speaker 1:That's true. I'm never going to put a banana on my feet. That's uncomfortable and slippery.
Speaker 2:Yeah, that's why they call it a slipper. We've reached the end of our show for the day.
Speaker 1:Thanks for listening and watching. Don't forget to like and subscribe. Life's too short, so keep laughing and learning and remember idiots. So keep laughing and learning and remember idiots. Have way more fun. Check your shoes.