Do you qualify? How do you define those "temperate financial habits?" No more than three credit cards? No home-equity loan? No junk bonds? Evidently the folks at Northern Trust understood the requirement well enough to decide on a distribution to a trust beneficiary. See Getting Heirs to Do Your Bidding.
Laura Sanders' survey of string-tying reminds us that modern testators and trustors really have to watch their language. For instance, must a beneficiary's "spouse" be of a particular gender? Do "descendants" include a child conceived with frozen sperm?
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