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how does step up and cost basis work when you have a joint account and one of the joint owners passes away very confusing depends on what state you live in Ive got those details and more coming up [Music] my name is Mike Bernard Im the host of the wise money show Im also one of the certified financial planners right here at corehorn Financial Group make sure you hit that subscribe button turn on notifications and smash that thumbs up button alright so if youre saving up money for a long-term goal like retirement or maybe college or something like that you should be funding tax sheltered accounts because as you save up into them theres this little agreement that you make There are rules that say well if you dont touch this until youre 59 and a half or until you have a qualified educational expense then youll get some tax benefits for doing so for saving these accounts and if you save pre-tax then you get a tax deduction today and if you save after tax or Roth then you dont get