This is Financial Insanity w-Scott McLean.  Today's show is what are QTIP trusts.   QTIp trust is a unique and powerful estate financial planning tool.  It's a way to clean up your estate plan.  There are tax advantages to a QTIP trust and some requirements are needed.  How do you protect all assets and income?  Plus only 33 percent of Americans have a solid financial plan for the future.  Most are doing the wing it plan.  Scott will let you know how to break a bad habit of living without a budget.