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so let's now get into some other mistakes and this is with beneficiary forms and you know what some of this seems logical but we're seeing these mistakes over and over again like for example some of you have IRAs or 401 k's where you don't even have a beneficiary form on file so what happens when you pass it's like the it's there's no person that this is designated to go to you it's it's a big big mistake or how about if it's an outdated form like you've got your your prior spouse on there and you've been married twice and divorced twice since then you got your first spouse on there and guess what that spouse is going to receive your IRA or 401k unless you change the beneficiary statement right you got to look at the beneficiary form on file you have to look at contingent beneficiary so if you have children all right you name your spouse and then from there you want to name children or if you have a charity in mind whatever there's outdated forms now your 401 K it's on under ERISA I ar

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