Daniel C. Spencer, Ed.D. 🇺🇸
3.5K posts

Daniel C. Spencer, Ed.D. 🇺🇸
@macdanspencer
I “get to” work in education with amazing students everyday! YNWA!
Franklin, TN Katılım Ekim 2022
83 Takip Edilen66 Takipçiler


Our new single “Don’t Let Go” is Inspired by The Smashing Pumpkins, New Order, and 90’s alternative rock snare drums. We wrote this song channeling the soaring nostalgia we feel hearing those 90’s alternative rock anthems. Stream: linktr.ee/unwedsailor

English

“Atmospheric guitars and subtle electronic elements create a sense of emotional travel, balancing introspection with restrained energy.”
R+@Rmaspodcast
#Reseña I @unwedsailor en "Don't Let Go": post rock instrumental sobre la forma en que los recuerdos configuran la identidad. Adelanto de High Remembrance. (EN) ⚡ rmas.mx/2026/04/08/unw…
English

If you die without a plan...
- The government takes 40% in tax
- Probate court costs $100k+
- Your kids get the scraps
If you love your family, here's every document you need to protect them:
(from a CPA & father of two)
1) Emergency Access List
This should include:
-> All bank account numbers
-> Investment account logins
-> Life insurance policies
-> 401k/IRA beneficiaries
-> Safe deposit box location
-> Password manager master code
Keep a digital & physical version for safety...
And make sure your spouse has access.
2) Legal Documents
-> Will (name guardians for kids)
-> Durable Power of Attorney
-> Healthcare Power of Attorney
-> Living Will/Healthcare Directive
Setting all of this up costs about $500...
($1,500 with an attorney)
But without them, the state decides everything.
3) Money Protection
Your family will need time to mourn.
Make sure they can do it without going broke:
-> Term life insurance (10x income)
-> Emergency fund (6-12 mo in a HYSA)
-> Retirement accounts with spouse access
4) The "First 48 Hours" Sheet
Write down clear instructions for your family:
Call this attorney: [Name/Number]
Call this CPA: [Name/Number]
File life insurance claim here: [Details]
Don't touch investments for 6 months
All bills are on autopay from [Account]
Grief destroys decision making.
This protects them.
5) Business Owner Addition
If you have a business, set up:
-> Buy sell agreements
-> Key person insurance
-> Business succession plan
-> Separate LLC owned by trust
If your company can't survive without you...
It's a 9-5 with extra steps.
6) Trust Setup
A proper trust can save your family $400k+ in probate costs.
But 90% of them are set up wrong:
-> Assets never get transferred in
-> Beneficiaries aren't updated
-> Pour-over will is missing
Here's how to fix that:
"Bulletproof" Trust System:
1) Revocable Living Trust
-> Avoids probate completely
-> Keeps finances private
-> Protects kids' inheritance
2) Pour-Over Will
-> Catches forgotten assets
3) Guardian Designation
-> Who raises your kids
-> How they get paid
Setting this up takes a weekend...
But ignoring it could cost your family everything.
So start before you're ready...
Because no one plans on dying.
Hope this helps!
Share with your spouse if you want to set this up...
And follow me for more 🤝🏻
English

@LFC Undoubtedly
Uncommon !
And
A Legend!
YNWA❤️
English

I just heard that links on X are no longer deboosted??
Someone tell me if they can see and click my link in their feed.
barzonDESIGN.com
English

@CowboyGospeler
This was given to me by my uncle who worked several ranches outside of Henrietta TX in the 70s-90s. And it stayed hung in our kitchen when we were growing up- Enjoy!

English

@xmuse_ The light!
How do you paint lighting like this?!
English

@LFC Jesus is the Way, the Truth and the Life!
Defeating death and sin - so we may have victory & Hope in forgiveness of our wrongs.
None come to the Father but through Him.
The Light of the World.
English
Daniel C. Spencer, Ed.D. 🇺🇸 retweetledi

@TimelessTrvlr Great post. You said something recently that rings true in my 30+ years of all kinds of travel. It's the “detours” the “less planned” or the “mishaps” that make the journeys memorable and exciting!
Can we go with the flow of the inconvenient twists & turns? That's where it is!
English
Daniel C. Spencer, Ed.D. 🇺🇸 retweetledi
Daniel C. Spencer, Ed.D. 🇺🇸 retweetledi

@wyatt_h_smith @jimmykimmel Yep
Immature and ignorant
English

@JoshuaBarzon Bookmarked AGAIN, Josh!
Great material for my Bible teachers here in Franklin TN
English
















