Suze Orman

All right, KT.

It will.

All right.

Remember your Roth 401k, when you transfer it to a Roth IRA, no taxes or anything, it takes on the time limit of the Roth IRA.

So even if you had a Roth 401k or 403b or TSP that had been open 10 years and

and you had a Roth IRA that had only been open one year, it would take on the one year time limit of the Roth IRA.

While it is true that most of your assets are in a retirement account, and for there, it should be, each spouse should be the primary beneficiary of the other one's retirement account.

And the contingent beneficiary should be the kids or whoever you want them to be.

No problem there.

But the house, the house, the house,

Number one, why would you want the house to have to go through probate for your beneficiary?

Probate is a court procedure.

Depending where you live, it could be six months, one year, two years.

It is expensive.

Statutory fees in many cases to the lawyer and the executor and on and on and on.

Number one, why would you want that?

Oh, you think it's not going to be a big deal.

It is a big deal.

Trust me on that.

So number one, if nothing else, you had nothing else other than this house, your retirement accounts are fine.