The Mahogany Thoughts team discusses an excerpt from Dr. Duncan's Mahogany Legacy Project book and an article detailing how close to 3 out of 4 Blacks do not have a will, esate, or a trust which affects the household's ability to transfer wealth from generation to generation. The MT Team also discusses that securing a financial future is important regardless of income, owning a home, business, or lifestyle and outlined general ways to accomplish this.