In this episode of BBMMUSA, hosts Jerry Kezhaya and Dr. Laura Shwaluk welcome Joe Clark from LegacyLock.com for an essential conversation about legacy planning, wills, and the cost of waiting too long.

Joe shares powerful stories about cognitive decline, sudden incapacity, and families left unprepared — highlighting why proper planning isn't about fear, but about love and responsibility.

This episode explores:

• Why timing matters more than most people realize

• How inadequate planning impacts families emotionally and legally

• What "doing it right" actually looks like when it comes to wills and legacy protection

You can never plan too early — but you can plan too late.

Learn more at LegacyLock.com More episodes at BBMMUSA.com