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Why Trust Fund Babies Fail (And How to Leave Wealth Without Killing Your Kids' Drive) | Marc Dearth

Brett's personal estate attorney Marc Dearth — founder of Dearth Law in Atlanta — explains why the standard "health, education, maintenance, and support" trust quietly turns wealthy parents into trust fund baby factories. Marc walks through why mandatory distribution ages (25/35/45) destroy asset protection in a divorce or lawsuit, and Brett breaks down the specific incentive structure he wrote into his own trust — including matching his kids' tax-return earnings into approved investments and splitting the estate into separate buckets so the super-achiever and the artist are both treated fairly.

This is the section of estate planning that most attorneys never bring up.

TIMESTAMPS

0:00 The Trust Fund Baby Mentality

0:35 Why Achievers Get Penalized By Standard Trusts

1:25 Who Actually Decides — A Judge, Not You

1:55 The 25/35/45 Distribution Trap

2:25 The Divorce + Lawsuit Worst Case

3:05 Brett's Tax-Return Matching Trust Design

3:40 The Super-Achiever vs. The Artist Problem

4:15 Three Separate Buckets — One Per Kid

4:35 Why Brett Refused Mandatory Distribution Ages

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The Be Wealthy Podcast brings entrepreneurs the strategies to grow their business — then teaches them how to think about their money. Because wealth is far more than money — it's freedom. Hosted by Brett Tanner & co-pilot Katelyn Mitchell.

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Be Wealthy and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational and entertainment purposes only, and should not be relied on for tax, legal, or accounting decisions. Always consult your own advisors before taking financial action.