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Off Topic Public Service Message for Married Readers: Community Property with Right of Survivorship

I consider myself far more informed than average on financial matters. For one thing I know how to lose 98% in a stock market crash. Life gives the exam first, then the lesson.

Refinancing a mortgage very recently, and getting on in years*, I learned something more important than any other financial consideration. As I am not a tax planner, this is just a pointer to what to look into. If you are married, you MUST understand this aspect of the tax code.

This single tip might be the single most important piece of financial information you ever hear. Unless of course you already know it, or it does not apply.

Community Property with Right of Survivorship with double step-up basis.

Community Property States

It’s that double step-up basis thing that should get you all excited, unless you prefer giving your money away to the government, rather than your heirs.g

* And using two of my nine lives in bike crashes that should have killed me!

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