 what you want to do what you need to do planning for long-term health care all the contingencies might come up taking vacations buying cars all that stuff and then how much how much cushion do you have and then it's you know the nice thing to do is be able to to give some of that money away while you're still living and see the fruits of that and that's that's what really planning is all about unfortunately many people just don't know what they can do