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20 percent 9 Steps alive amount answer apply ASK SUZE assets bank account brokerage firm Buying on margin called capital gains tax cash charge claim bankruptcy cost basis create credit card companies credit card debt durable power early retirement elimination period estate tax everything expenses feel fees financial aid Financial Freedom gift gift-tax return give happen Hospice care income tax inherited interest rate invest IRA rollover joint tenancy keep lawyer less living revocable trust long-term-care insurance married Medicare ment months mutual fund paid partner person power of attorney premiums prenuptial prenuptial agreement prepaid primary beneficiary probate qualify for Medicaid question real estate retirement account revocable living trust shares simply someone spend spouse Steps to Financial sure Suze Orman take the money thing UGMA account withdraw worth