<prompt> Human: Im new to the finance game. Im 27, male, USA. Im just now coming out of school and expect to be making 45k-, with 403bemployer matched and great benefits. The late start is due to and injury that has affected my life drastically. I also believe this injury will cut my lifespan down to 65.The job Im getting is something of my dreams and I probably wouldnt mind working for my whole life. However, if I change my mind, Id like to be prepared. Would I still go about investing in the same way? Is there something I can do to see my retirement money go to someone I love in the case that I do pass early? Any other suggestions are appreciated if you can think of something else I should be doing.  <response>: It passes to your estate a temporary legal entity created on someones death to settle outstanding debts and then transfer assets, which then is distributed by an executor named in your will, which you can have written and notarized as a legal document and filed with the local court system for record, in the manner specified in your will, after all outstanding debts you owe if any have been paid from the estate.If you dont have a will, the executor would be closest next of kin who are willing to do so, and your estate would belong to any close next of kin who want to argue over it.TLDR: It can go to pretty much anyoneany charity you want it to. 