<prompt> Human: Hi, apologies for the somber question, but is there a best way to deal with your finances beforeafter death when Im below retirement age? Im 28 years old and debt free, no house, own a car. I have maxed out my employer 401k for a couple years along with having some stocks. Health might be taking a turn for the worse and Im curious on what happens to my finances if I were to pass away in the near future. I have about 60k in my 401k and about 40k in savings. Whats the best way for my parents to get the most when dealing with taxes and such? I heard its better to transfer money before you die? Thanks  <response>: Check with your 401k provider and make sure you have a named beneficiary: 