Are you in the top 10%

Good afternoon. Every story below comes down to something hiding in plain sight. Today's a good day to look closer at your own numbers.

On The Money Today:

Let's get into it.

Warren Buffett spent his final years at the helm building an enormous cash pile, and he wasn't the only major investor doing it. Some of the world's richest people have been shifting money away from equities and into less obvious places entirely. The moves raise a real question about how exposed your own portfolio might be right now.

When Kristina Moore's father passed, she assumed the hardest part was already behind her. Instead, a water arrangement shared with dozens of neighboring homes left her stuck with a debt she never agreed to and a house she couldn't sell. A quick records check before you inherit any property could spare you the same fight.

Baby boomers are sitting on more collective wealth than any generation before them, but that fortune is split unevenly. More than half of boomers turning 65 this decade have less than $250,000 saved, while a much smaller group holds several times that. There's one specific move that can meaningfully close the gap, even if you're starting late.

The answer is: D) 76% — according to Caring.com's 2025 Wills and Estate Planning Study, an estimated 76% of Americans die without a valid will in place. When that happens, state intestacy laws decide who inherits, not the person who died, and the process typically runs through probate court instead of a simple, private transfer of assets.