text:  And let's say you become disabled and you can't handle your finances, and somebody then is taking control. And they go in and they use this IRA and this IRA and this IRA, but not that IRA, that IRA, and that IRA. But unfortunately, the one daughter owned all these IRAs, the other child didn't own any of those IRAs, and the other child ends up with all the IRA money, and that child gets nothing.