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does your college student need an estate plan well they at least need some parts of it ill explain 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 cohort financial group make sure you hit that subscribe button turn on notifications and smash that thumbs up button so not kidding true story true story im in college junior year and just you know its a regular night i think it was a tuesday night and i was with some friends i already got my homework done i was studious all that sort of stuff but i had several friends that went to michigan state with me and we were were just hanging out and one of my friends starts having some pain in his abdomen and um and you know we originally sort of ignore it but i mean he is like crunched over like he is in a lot of pain and um and that kind of he can shrugs it off at first but it gets more intense and he looks like hes gonna pass out and so you know goe