^^^ @Dutchess_III You live within the U.S., so you need to beware of medical expenses. End-of-life care can be extremely costly, even for people with “good” health insurance (I use scare quotes, because there’s no such a thing as good coverage). As other Jellies have posted, an estate is responsible for settling the decedent’s debts. A six-figure medical bill isn’t unusual.
So often, people think they’re leaving nice inheritances to their loved ones, but the medical charges arrive and wipe-out the assets. Houses get sold to raise the needed cash.
The delightful U.S. healthcare “system” (more scare quotes) bankrupts people during their lifetimes and leaves decedents’ estates with zero or negative balances. This doesn’t happen in any other developed country.