04.13.26 Self-Storage Savvy / Heir Apparent: Plan & Preserve Your Estate

One in five Americans uses self-storage units. How do you avoid rip-offs in an industry long characterized by bait & switch tactics? Learn Clark’s strategies for avoiding such price hikes, and essential steps for protecting your belongings. Also, you may have seen the news stories about the late Jimmy Buffet’s family doing battle over his estate. Believe it or not, this type of situation is not that rare. The "Great Wealth Transfer" has ushered in a surge of estate disputes. Clark shares how smart planning now can help prevent family conflicts and legal fees from eroding your legacy. Self-Storage Savvy: Segment 1 Ask Clark: Segment 2 Prevent Estate Battles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do You Really Need a Storage Unit? 5 Things To Do Before You Rent a Storage Unit FT - Overcharged for Storage? U-Haul 1-Year Price Lock Delivers Certainty Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions? The Costco Price Secret Almost Nobody Knows - Clark Howard Emergency Fund: Everything You Need to Know - Clark Howard How To Prevent an Inheritance Nightmare USA TODAY: Why inheritances are generating more bad blood and legal fees 7 Things to Consider Before Leaving Your Home to Your Kids Why Clark Howard Wants You to Set Up a 'Financial Chromebook' My Social Security: The Free Account Everyone Needs To Set Up Before Retirement Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

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• 1:04Speaker 02

  I'm so glad you're with us on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. Okay, we have a storage unit, something I didn't think I'd ever have in my life. But over the last like eight or 10 years, we have had three different occasions where we've rented a storage unit. One in five Americans has one right now, apparently. So, so a lot of bait and switch in the storage unit business. I want to talk about that straight ahead. And you may have seen the really sad, disturbing stories about how Jimmy Buffett's family

• 1:49Speaker 02

  is in a Donnybrook fight about his estate. This is something that you read about or hear about with famous people, but it's happening with people every day now across all walks of life that may have decent assets, not necessarily a huge amount, but they fight about it. I want to talk about how to prevent those fights later in this podcast.

• 2:18Speaker 02

  Well, right now, I want to tell you, I didn't know anything about storage units, other than the problems people have when a unit gets broken into, or a unit has a rodent infestation, or a unit, a lot of them are in floodplains. And you think, wow, I'm getting a good deal in that storage unit, and then a flood comes along, and everything you have in it is ruined. Theft problems are rife. So, this is where my real knowledge had been in my TV work, the stories I do with people whose stuff had been stolen, or something else like that.

• 3:01Speaker 02

  Until I started renting storage units myself, I wasn't aware about how the pricing works. Now I understand completely. It is a bait and switch business. Oh, I should, before I get into bait and switch, I should say, what I learned over the years, and the stories I did on television, is you got to insure that baby. You got to have insurance on the things you have in that storage unit. And you need to, just as I tell you when you rent a car, how I want you to shoot that video, you need to do a walk and talk in that storage unit, what you have in there,

• 3:41Speaker 02

  because of the stuff stolen, even if you have insurance, you got to prove to the insurer what you had. And depending on, if you have renters insurance, you may be able to buy a policy protecting things in the storage unit, from whoever sells you your renters insurance. Be careful with your homeowner's insurance, because if it's part of your homeowner's insurance policy, I don't want you making a claim on your homeowner's insurance for the things in a storage unit. So you may want to buy a separate policy from somewhere else for that. And if you do have one offered to you by the storage unit facility, before you sign up for it, you need to read that, and see how the coverages and exclusions and limitations work.

• 4:25Speaker 02

  And most important, how do they depreciate out the value of the things in that storage unit? So, let me go to the price thing. This is how the business works. You're lured in with a price on a unit. And then you rent a truck or you use your own vehicles, whatever. And you load up that storage unit and everything's fine. And you're paying them for it. And then three months in, usually at most five or six months in, you get a notice of your new rent rate that can be three times what you signed up for. Yeah, three times because what are they counting on? They got you.

• 5:10Speaker 02

  You're their prisoner. You have your stuff there. And are you going to go rent another truck and load it up? And move your stuff to another place? And then three to six months later, they do the same thing to you. So I learned this right away. First time rented one four months in. They went up on the rent two and a half times. So what did I do? I called up and said, well, with this rent increase, we're going to have to move out at the end of the month. I found another place down the road that I'd checked online was actually cheaper than what I was paying there originally.

• 5:54Speaker 02

  And the person said, well, you know, if you'll come here, it was the suggestion of the managers. And you move to a unit on the same floor, three doors down. I can give you that one at what you were paying. It was a same size unit. So my wife and I went over there and we lugged the stuff, basically four doors down on the same floor and got that price. And then she said to me, how long are you going to need this other unit? I said, for me, I'd like it for one minute. For my wife, I don't know. And she said, well, if you pay us upfront for a year in advance, we'll charge you that and you'll have it for a whole year.

• 6:39Speaker 02

  And I was like, okay. Sure enough, we kept it for another 15 months and we had an increase those last three. But the point is, the game is a puzzle. And you've got to know that once they feel they have you as a captive, they're going to eat you up. And you may have seen the story that U-Haul, that owns a lot of storage facilities, is now offering at most of their locations, a one-year price lock. And I like that. Now, interesting thing happened. Krista, you may not remember this anymore. When I paid that year, halfway through, the place changed ownership.

• 7:19Speaker 03

  Mm-hmm.

• 7:20Speaker 02

  And I was worried we were going to lose

• 7:23Speaker 03

  Wow.

• 7:23Speaker 02

  those months I prepaid. Fortunately, that didn't happen. That could have happened.

• 7:28Speaker 03

  Oh, boy.

• 7:29Speaker 02

  And then I would have felt dumb as a box of rocks, right?

• 7:33Speaker 03

  Oh, gosh, yeah.

• 7:34Speaker 02

  Having prepaid that year. And not everybody can afford to do that. But just understand that it is a game where they've always got your number and my number. And you've got to know going in, that's how it works. And we may have some suggestions from people that I'd love to hear from you. If you think what I said was lame, you can go to Clark.com/ClarkStinks.

• 7:59Speaker 03

  Or just

• 8:00Speaker 02

  Or just post.

• 8:01Speaker 03

  Post in our questions form if you'd like, any tips you have, and we'll read them. Okay, we're going to go to some questions now. This one's from Emily in Illinois. Clark, my husband and I recently joined Costco after having our five-month-old son.

• 8:15Speaker 02

  Congratulations on the birth of your child.

• 8:18Speaker 03

  Yeah, congrats.

• 8:18Speaker 02

  And it was really great that you named your child Kirkland.

• 8:21Speaker 03

  Yeah. It's been amazing to buy our Huggies diapers in bulk. However, it appears they are no longer stocking them in stores. I ordered the Huggies online and they never shipped. Could you tell me where I can complain and provide feedback? The Pampers don't work well, and I've heard horror stories about the Kirkland Signature diapers.

• 8:43Speaker 02

  Stab me in the heart.

• 8:45Speaker 03

  Haha.

• 8:47Speaker 02

  Okay, we've got a couple of things to talk about. I mean, I saw, when I was at the pharmacy the other day, they had Huggies on the end cap, you know, heavily displayed. And so I don't know if they had sold out at your location that you would normally buy Huggies, or what. And I would always ask the store manager. Now, as for Costco.com,

• 9:13Speaker 02

  The Huggies going lost in space. You should be able to call Costco.com and they'll actually answer the phone and they should figure it out and they'll send you the Huggies. But I would love for you to look at this adversity as opportunity and do an experiment, buy a box of the Kerguelen signature because you'll save so much money over time if what you've heard from other people that they're a horror.

• 9:41Speaker 03

  And if you don't like them, you can return the box. Not the used diapers, but the box.

• 9:46Speaker 02

  Thank you. I was going to say, you don't need a price guarantee from me that I'm going to refund the money. Just try them and if, and if I'm an idiot and the KS diapers are no good, you take the remaining ones back in the box and they will give you your money back for the whole thing. And then you can continue to buy Huggies. So just, just a thought, but the problem with the shipment going missing, Costco is usually really on top of that. If you talk to customer service and it's real customer service, normally not customer no service.

• 10:24Speaker 03

  Okay. Joe in California says, I'm a long time listener and really appreciate all the help you've given me over the years. Now I've finally found something that isn't covered in one of your articles online. I recently moved to a high fire risk area in Southern California and could not find any home insurance companies. So I had to sign up with the California Fair Plan. My renewal just came up and my insurance broker suggested switching to a quote, non-admitted company. I've researched the basics of this, but I'm not sure what the real risk is using a non-admitted versus an admitted insurance company. The premiums are roughly 20% lower for non-admitted. Thank you for any advice and information you can share on this.

• 11:08Speaker 02

  So non-admitted is a generic term with, that usually does apply to homeowners. And what it means is that if you had a fire or whatever,

• 11:22Speaker 02

  And you had a claim for your home. As a non-admitted insurer, they are not part of the California guarantee. What happens is if an insurer goes insolvent, other insurers are assessed to make up the money for that claim. That's the idea of an admitted insurer. If you hire a non-admitted, they're not having to pay into that guarantee fund and you're getting a lower premium, but you're hoping that they are going to be solvent when there is a claim. It's not a scam. It's just an additional potential risk.

• 12:04Speaker 02

  And if you have a mortgage on your home, you need to make sure that your mortgage company permits you to insure with a non-admitted insurer because of the risk there. You have to have the homeowner's insurance and you don't want them to do what's called force-placed, where they put in force a horrifically awful insurance policy that will be marked up five to 10 times in cost as a profit center for the mortgage company because the contract may not permit a non-admitted insurer.

• 12:42Speaker 03

  Austin in Alabama says, "My wife and I had $56,000 sitting in a high-yield savings account earning 3.75%. The interest rate has gone down over the years and we view this money as an emergency fund. Our only debt is our house and my truck, which has 135,000 miles on it. I still owe $18,000 at a 6.51% interest rate."

• 13:06Speaker 02

  Okay.

• 13:07Speaker 03

  "And I absolutely hate having a car payment. Would you recommend going ahead and paying it off or paying a substantial portion and continuing with the monthly payments? Paying it off would leave us with roughly $38,000 in our savings. Thank you for everything you and your team do."

• 13:24Speaker 02

  So if your job situations feel secure, Austin?

• 13:30Speaker 02

  I would take the money from your savings and blow out the remaining balance of the vehicle loan. You're talking about an interest rate on savings that could continue to trend down as the economy has gone into a bit of a slump and you're going to save so much money blowing it out. And then what you do is every month, if you have this discipline, which you obviously must, because you had built up this $56,000 in rainy day, every month going forward, you pay what the monthly payment was on your vehicle back into the

• 14:09Speaker 02

  savings account and start to beef it up again. But I think it's a very smart thing since you have no other debt other than your mortgage to get rid of this loan at six and a half percent. I like what you're thinking because you're still going to have a decent amount of money in savings that you're going to steadily be able to rebuild. Go for it. Coming up ahead, oh, I hate it when families fight over money. It just happens and people will really, who are into this kind of stuff, will really enjoy reading the stuff about a famous person

• 14:50Speaker 02

  like Jimmy Buffett having family fight about his estate. But it ain't so funny when it's in your own family. I want to talk about that.

• 15:01Speaker 00

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• 17:02Speaker 02

  Who's got all the money? Well, actually, if you look at any analysis of who's got money in the United States, it skews so heavily older. And we're an aging society. And I saw an item in USA Today that 11,000 people turn 65 now every day. And those people have over $100 trillion that they may...

• 17:34Speaker 02

  Try to decide what they're going to do with someday. A good problem to have, nobody has 100 trillion by themselves, except Elon Musk, I guess. But anyway, people are gonna decide, hey, we want it to go to this kid, or the kids, or the grandkids, or go to this charity, or whatever it is. Okay, hurt feelings galore, anger, lawsuits, lawyers, all come up with stuff where people have a certain expectation as parents about what they're gonna do, and they never discuss it with their kids.

• 18:16Speaker 02

  The most important thing to do in this process is first of all, to be up to date on what you're doing with your will. If you are someone who's in a position where you have the kind of assets that people are gonna fight about, and it doesn't even have to be a mega dollar kind of estate, there are people who fight, and I was asked a lot of questions recently by someone about it, where they were fighting over not a lot of money, and now two brothers aren't talking to each other anymore and all that. And so, parents tend to be really, really quiet about what they have.

• 19:02Speaker 02

  And they don't really share with their kids what their intentions are. And so, this is something that I want you to rethink. Because one of the legacies you don't want to leave is your kids getting sore at each other, not even talking to each other anymore. Because they feel like, well, you gave her more than you gave me, or why did she get this and he get that, and on like that. Think through what your plan is, why your plan is what it is, and have ongoing conversations with your kids about what your intentions are.

• 19:46Speaker 02

  Our three kids know that my goal is to give money to charity when I go to the great beyond. And we've talked to them about that. Now, my wife is likely to live a lot longer than I am. She is more balanced with that about what goes to charity and what goes to the kids. But we have had these conversations with them. And we prepared asset lists so they know what accounts we have and all that and where to find it. When we pass away. And so all I'm asking you to do is don't be quiet with your kids.

• 20:31Speaker 02

  Tell them, first of all, tell them what you want to have happen. If you end up in a hospital and you can't communicate your wishes. You need to have durable attorney for healthcare. Durable power of attorney for healthcare, I'm sorry. In many states it's called an advanced directive. But more common now is you have both a message, what you want, and a messenger who you've appointed. Then if you've got meaningful assets, you want to have a will. If you have minor children. You want to have a will, even if you don't have two nickels to rub together. And know that whatever's in your will is overridden by beneficiary designations.

• 21:12Speaker 02

  That you've put on bank accounts, brokerage accounts, retirement accounts, accounts, accounts. So the will is one thing, but that beneficiary designation overrules it. So imagine the kind of fight you can have in a family where you say in the will. You want an equal share of this to go to the kids, each kid. And then at work, you did a beneficiary designation that the money all went to one kid. Hurt feelings and fights, but I'll tell you almost always that beneficiary designation's

• 21:52Speaker 02

  going to win out. Conversations, it's not a conversation, it's ongoing conversations that you have, and you need to have them with your spouse or partner because what you want may be very different than what they want. And life requires accommodation, compromise, and understanding. But the big problem when it comes to death is people don't want to talk about it. But as best I know, we're all gonna die someday. And

• 22:32Speaker 02

  it's a conversation ongoing you need to have because you don't want to be fighting with your sister, Krista. I don't want to be fighting with my brothers and my sister. But people do it all the time.

• 22:49Speaker 03

  Yeah, my sister and I would not fight, but yes, no. And I know my parents have also, you know, done their wills and all those things. And it is important to talk about. I've talked to my kids about it. Okay, we'll go to some questions. Tyler in North Carolina says, I've been reading lately about the infinite banking concept or family banking, a part of which utilizes high cash value, whole life insurance with paid up additions to help secure perpetual wealth for the family and allow you to borrow against your own money without the opportunity cost of taking loans out from a typical financial institution. I understand you're not a huge fan of anything but term life, but my family may be in the unique position of being able to fund policies like this as a part of

• 23:31Speaker 03

  our overall portfolio. If structured correctly under the appropriate trust and underwritten with the correct insurance company, it seems like a no brainer. My wife and I are in our early 30s with a toddler and would like to take advantage of our health to build generational wealth. I'd love to get your opinion on whether this is worth pursuing.

• 23:51Speaker 02

  So you said, seems like a no brainer.

• 23:54Speaker 03

  Mm hmm.

• 23:55Speaker 02

  Right. So Tyler, this is something that pops up from time to time is like something there's buzz about. I think I first heard this as something, someone asked me about at least 30 years ago, more than 30 years ago. So the idea is you way overfund a whole life insurance policy. A whole life insurance policy is an insurance policy that has a death benefit and has a built in savings account. It is not a no brainer because this requires some serious thinking because you will, in the early years, you will have paid

• 24:36Speaker 02

  in a lot of money and have no real benefit from it because you're, you start off in a whole life policy, particularly a mega one, way upside down in the value of it versus what you've paid in. Second, these are tax advantaged kind of things, not tax free. I worry because a lot, they're pushed by life insurance salespeople as, as you said, a no brainer, is a way to build generational wealth that avoids estate taxation. The reality

• 25:16Speaker 02

  is this is a potential tool that works rarely as an efficient way to move wealth generation to generation. And the planning for this should start with your estate attorney. And if you've got the kind of wealth you believe you're building in your life, even though you're really young, you need to be with an estate attorney. That's a lawyer who all he or she does is wills, estates and trusts. And the conversation with that lawyer, and they're expensive, by the way, to hire. They may be the most expensive of all lawyers other than corporate lawyers, but you pay an experienced expert at estate law.

• 26:03Speaker 02

  Because you tell them what the goal is, exactly what you told me, that you want to build generational wealth moving forward. Now, if you do proceed on this path of building your wealth through an overfunded whole life policy, know that particularly you have one child now.

• 26:23Speaker 03

  Mm hmm.

• 26:24Speaker 02

  You could end up with several. This goes back to the prior thing. You have to set up clear rules when money will be lent to one of your children for various purposes, and the loan terms need to be written and need to be enforced. Because the IRS can come along later and say, that really wasn't a loan, that was a transfer, and that's taxable. And so that's where the estate attorney comes back in, is that if you do an overfunded life insurance policy, you have to make sure that the rules of engagement of using it,

• 27:08Speaker 02

  who can use it, when, and how, and how's it paid back, has to be all stated upfront for it not to blow up. So this is a tool that is used, not very often, but it is a tool used, but you gotta know that the cart's before the horse here. It all starts with proper generational-based estate planning.

• 27:37Speaker 03

  Wouldn't you say, like, if you took all that money you're paying for those premiums, which usually go up and up and up?

• 27:44Speaker 02

  No, they don't. I mean, the premiums, the whole idea of a overfunded whole life policy, the premiums are set based on the actuarial risk you represent at the time you buy the policy.

• 27:56Speaker 03

  Okay.

• 27:57Speaker 02

  You say it was healthy, you medically underwrite, and you own this monster policy, you have to demonstrate an insurable need that goes beyond what your financial needs are and what your earnings are at that point. So there's a lot involved in this that is a product that insurance agents are selling.

• 28:20Speaker 02

  To people who've got money, but not necessarily should be bought by people.

• 28:24Speaker 03

  Right. And those conditions.

• 28:26Speaker 02

  Right. That's where the lawyer comes from.

• 28:28Speaker 03

  Okay. Timothy in New Jersey says, hi Clark, I'm 25 years old and have been employed out of college for almost two years. I'm considering pursuing a part-time MBA starting in the fall. My question is, what can I do to help finance grad school? My company offers $3,000 a year reimbursement program, but the rent is nearly 30% of my monthly income to the payment. I'm also already contributing enough to max out my Roth IRA, HSA, and 401k up to the match. To pay for an MBA, I'm afraid the money will really be tight unless I stop contributing. Thanks for all you do.

• 29:04Speaker 02

  Okay, so getting the MBA is clearly part of your future income stream. And so if you think of yourself as a hybrid, you're both a worker and a student. You're going to be in that MBA program probably 18 to 24 months, based on what I usually see with these. And for the, let's say up to two years, you're in the program. If you reduce your contribution to your 401k up to the match, I would support that. I would want you to continue contributing to the HSA, because the financial advantage over the years is enormous. And discontinue, you're doing the max in your Roth, discontinue doing the Roth at all right now.

• 29:48Speaker 02

  So I do the two cuts, reduce the 401k to just the company match. Stop doing the Roth, keep doing the HSA. You free up more money for paying for that MBA. Get that MBA, hopefully it'll lead to more career opportunity and flexibility, and over time, more money. And once you're done paying for the MBA, then you step back up the contributions regardless to the Roth IRA. And you're an industrious person to work full-time and go get that MBA at night. It is a tough road.

• 30:27Speaker 03

  You know that because you did that.

• 30:30Speaker 02

  I did, I worked full-time.

• 30:33Speaker 02

  And did the MBA full time and that was too much. I was just too ambitious, too driven.

• 30:40Speaker 03

  Karen in Connecticut, yeah, it's really not worked out for you. Karen in Connecticut says, "Hi Clark, at your suggestion, I have a Chromebook that I use exclusively for accessing my financial accounts for security purposes. Would you recommend I use the Chromebook to access my social security account online, or should I use my PC, my Windows laptop?"

• 30:58Speaker 02

  I'd use the Chromebook, just because Chromebooks fundamentally are less subject to the possibility of viruses and using your Chromebook to access your My Social Security Account, socialsecurity.gov, I think is absolutely fine. And even if you're years and years and years and years from retirement, I want you to set up a My Social Security Account at socialsecurity.gov so you can make sure that the income that you're earning each year is being reported properly, you're getting proper social security credits, because down the road, it really matters. And as has been

• 31:42Speaker 02

  discussed many times on this podcast, I waited to get social security till I turned 70. I tracked my social security over the years using a Chromebook to access it, a superior choice to Windows. And as my son keeps saying, "When am I going to talk about why people should only buy the new MacBook I talked about recently, instead of buying a budget Windows laptop?" I'm just going to lay the question out there, Grant. I'm not going to answer it because I'm not smart enough. But anyway, I hope you have a great week. And did you know that we offer

• 32:24Speaker 02

  one-on-one advice for free, something we've been doing now for, this is our 34th year of offering free one-on-one advice? And if you want to have that opportunity,

• 32:37Speaker 02

  Go to Clark.com slash C A C for the Team Clark Consumer Action Center. You'll see how to get that free one-on-one advice, guidance, and information. Have a great day, and I hope something empowered you today so that you can save more, spend less, and never, never, never, not ever, get ripped off. See you Wednesday.

• 33:07Speaker 05

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• 33:38Speaker 06

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• 33:44Speaker 04

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