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20 percent 9 Steps alive amount answer apply assets brokerage firm Buying on margin capital gains cash claim bankruptcy convert cost basis credit card companies credit card debt deduct durable power early retirement earnings educational IRA elimination period estate tax everything expenses feel fees financial aid Financial Freedom gift give happen Hope scholarship income taxes inherited interest rate invest IRA rollover joint tenancy keep lawyer less long-term-care insurance married Medicare ment months mutual fund nursing home person power of attorney premiums prenuptial agreement prepaid probate qualify for Medicaid question real estate retirement account revocable living trust Roth IRA sell shares someone spend spouse Steps to Financial sure SUZE Suze Orman take the money tax-free taxes or penalties thing traditional IRA UGMA account withdraw worth