<prompt> Human: I have no one to list as beneficiaries if something were to happen to me. Let me start by saying that Im 28 and theres nothing life threatening going on in my life, that Im aware of. Ive spent a lot of time, energy, and effort to grow professionally and earn a living in spite of zero financial knowledge and after watching my family make terrible decisions.I have earned money and saved since I was age 14. At 20, I bought my first home on a servers income and opened a cleaning service business at age 21. While in school, I also obtained a second job to help offset self employment taxes and benefits. While at this job, I found my career job and have been working here since I was 25. With this company, I currently make around 110K per year, have 12 profit sharing that I do not have to invest in myself 19K in profit sharing account, 500K in life insurance. In addition to this, I makehave 40K a year from cleaning service business, 40K in savings, and profit 2400 annually from a rental property. I owe 200K on my new home, 30K on rental home, 14K on my car, which I have set up to be paid off if something bad were to happen to me. The new home is worth 230K, the rental property is worth 65K, and the car is break even.I was raised by my grandmother and watched my family feed off of her and her finances my whole life. My mom and dad literally have no income and all 3 of my sisters are living on welfare. I have many aunts, uncles, and cousins but I trust none of them with money. I have some great people in my family but Ive seen a greedy side to all of them. My sisters have taken advantage of me and left me cleaning up their messes. I typically wouldnt worry about this but explaining my story to a close friend, they advised that I start making bid decisions such as this considering what all is at stake.I love my nieces and nephews but their parents will take it all if I put them down as beneficiaries. My grandmother is still alive but getting older and not able to care for her own finances at this time. My best friend is not the best with money but makes a solid income for herself. Ive even helped her get out of debt and signed on a car note with her several years ago.Another BIG issue: my ex is currently listed to receive everything but I know its not healthy. We are great friends but hes my ex.. it just seems strange to allow it all to go to him when we only shared 2 years of our lives together.I love my family and the people around me but I literally cant think of one person I can put down as a beneficiary to my estate. Makes me depressed thinking about. Maybe I shouldnt even be this worried since I cant take any of it with me. Maybe I should just leave it to charity or in a trust for my nieces and nephews, contingent on them going to school. And advice is greatly appreciated.  <response>: leave it to charity or in a trust for my nieces and nephews, contingent on them going to school.Good idea. I recommend you find a competent and honest trust attorney and set up a revocable living trust as soon as possible. In the short term, you can name your banker or attorney as trustee upon your death - and change it when you find someone who is good with money and trustworthy perhaps one of your nieces or nephews once they are grown up - or a future child of your own.Hope this is helpful, best wishes for a long and successful life - and Godspeed! 