Most people put off estate planning because they assume it doesn't apply to them yet. Too young. Not wealthy enough. Already owns everything jointly with a spouse. Attorney John Marshall has heard every version of these assumptions, and in this episode, he dismantles five of the most common estate planning myths that quietly leave families exposed, financially strained, or fighting over guardianship in probate court.John pulls from real cases at his practice near The Villages, Florida, the largest retirement community in the country, walking through scenarios most people never see coming: an 18-year-old without a healthcare directive, a mother whose account got garnished because of her daughter's debt, and parents killed simultaneously with no plan in place.The law doesn't wait for a convenient time. Neither should your estate plan.In this episode, you will hear:Why every adult over 18 needs at least some form of estate plan, regardless of age or assetsThe real difference between a will and a trust, and why a will practically guarantees a trip to probate courtHow joint ownership with a spouse protects assets from individual creditors under Florida lawWhy adding a child's name to a bank account or property deed can backfire in ways most families never anticipateThe HIPAA waiver most college parents don't know their student needsWhy dying without a plan doesn't mean assets automatically go to a spouseHow outdated legal strategies, some passed down through families for decades, can create bigger problems than they solveFollow and Review:We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.Episode CreditsIf you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.