The numbers vary somewhat from survey to survey, but each new study that is released reveals that large numbers of Americans do not have a will. Not having a will is shorthand for not having any estate planning in place.

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Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire.1 About 20% - or 1 in 5 American adults- have a disability according to the CDC July 2015.

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In the middle of a Georgia summer, the days are long and it seems like we’ve got more time for the things we enjoy. The kids are out of school, and work slows down a little. If we’re lucky, we get some extra time with our family, spend lazy days at the pool, and vacation with children and grandchildren. It can feel like summer will last forever.

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Have you heard of the Stanford Marshmallow Experiment conducted in 1972 by a Stanford University psychologist? In this experiment, children are given a marshmallow and told they would receive a second marshmallow if they could resist eating the first. Scientists studied how long each child resisted the temptation to eat the marshmallow. A long-term study of the children who participated in this experiment showed those who were able to wait for the marshmallow – to defer gratification - were most successful in life.

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