Ryan

Traveler, Adventurer, Photographer. LDS. Grateful for my family, friends, church and endless new places to travel to. Lover of life. Ute fan, Jazz fan,

[New York Basketball @NBA_NewYork]

Good morning

(IG:heroichira)

[Ryan @RyanDErickson]

@spencechecketts Hey Spence, heard you talking about Delta eliminating snacks on your show. FYI that is only for flights less than 350 miles. The vast majority of flights will still have snacks.

[James Melville 🚜 @JamesMelville]

37 years ago: The most famous pre-match warm up in football history. Diego Maradona nonchalantly doing keepy ups before a Napoli match with 'Live is Life’ playing in the background.

[Brennan Schlagbaum, CPA @Budgetdog_]

If you die without a plan...

- The government takes 40% in tax
- Probate court costs $100k+
- Your kids get the scraps

If you love your family, here's every document you need to protect them:

(from a CPA & father of two)

1) Emergency Access List

This should include:

-> All bank account numbers
-> Investment account logins
-> Life insurance policies
-> 401k/IRA beneficiaries
-> Safe deposit box location
-> Password manager master code

Keep a digital & physical version for safety...

And make sure your spouse has access.

2) Legal Documents

-> Will (name guardians for kids)
-> Durable Power of Attorney
-> Healthcare Power of Attorney
-> Living Will/Healthcare Directive

Setting all of this up costs about $500...

($1,500 with an attorney)

But without them, the state decides everything.

3) Money Protection

Your family will need time to mourn.

Make sure they can do it without going broke:

-> Term life insurance (10x income)
-> Emergency fund (6-12 mo in a HYSA)
-> Retirement accounts with spouse access

4) The "First 48 Hours" Sheet

Write down clear instructions for your family:

Call this attorney: [Name/Number]
Call this CPA: [Name/Number]
File life insurance claim here: [Details]
Don't touch investments for 6 months
All bills are on autopay from [Account]

Grief destroys decision making.

This protects them.

5) Business Owner Addition

If you have a business, set up:

-> Buy sell agreements
-> Key person insurance
-> Business succession plan
-> Separate LLC owned by trust

If your company can't survive without you...

It's a 9-5 with extra steps.

6) Trust Setup

A proper trust can save your family $400k+ in probate costs.

But 90% of them are set up wrong:

-> Assets never get transferred in
-> Beneficiaries aren't updated
-> Pour-over will is missing

Here's how to fix that:

"Bulletproof" Trust System:

1) Revocable Living Trust
-> Avoids probate completely
-> Keeps finances private
-> Protects kids' inheritance

2) Pour-Over Will
-> Catches forgotten assets

3) Guardian Designation
-> Who raises your kids
-> How they get paid

Setting this up takes a weekend...

But ignoring it could cost your family everything.

So start before you're ready...

Because no one plans on dying.

Hope this helps!

Share with your spouse if you want to set this up...

And follow me for more 🤝🏻

[Ryan @RyanDErickson]

@utahmammoth @RyanQualtrics Epic! This clip is from the reveal the other night between periods of the Mammoth vs Oilers game which we won 6-5 in OT! Zammoth is good luck ! Epic build by the @DieselBrosTV @The_diesel_dave @heavydsparks801 Money well spent! @RyanQualtrics @utahmammoth

[Ryan @RyanDErickson]

@UteOutsider That helmet animation they use has been bothering me for years. So misshaped it’s hilarious. 😂

[Ryan @RyanDErickson]

@ScottyGZone @GBSHansO That was perfect Scotty. I listen to you guys every day. You and Hans have gotten me through some really tough work days over the years. Sad this chapter is ending but excited to keep listening to you. Thank you both!

[Ryan @RyanDErickson]

@975Hans Congrats Hans. I listen to you and Scotty every day and have for a long time. Thanks for getting me through some really tough workdays. Will really miss your sports talk. Best of luck my man!

[Ryan @RyanDErickson]

@GlassHalfUte Yeah bro. Love it 🙌🏼

[Ryan @RyanDErickson]

@weddlesbeard Congrats Eric! Nobody more deserving. Thanks for all you’ve done & are doing for Utah football. 🏈 🙌🏼

[Ryan @RyanDErickson]

@Devonddampier Yes!!! Ute legend! Can’t wait for next season already!

[Ryan @RyanDErickson]

Yes sir! So excited for next season already! Devon was electric last season. 🙌🏼 #GoUtes

[Devon Dampier @Devonddampier]

Thank You UTAH🕷🕸

[Ryan @RyanDErickson]

@TheChosenUte Love this. Amen. Thanks for sharing! Go Utes!

[Ryan @RyanDErickson]

Hey Coach Whittingham: since you’re taking everything from Utah on your way out to Michigan, can you please also take The Mormon Housewives and Swig as well? Thank you.

[Utah Football @Utah_Football]

𝐋𝐚𝐬 𝐕𝐞𝐠𝐚𝐬 𝐁𝐨𝐰𝐥 𝐔𝐧𝐢𝐟𝐨𝐫𝐦𝐬 ♦️♦️♦️

Presented by @hmcoleclothing

@LasVegasBowl x @SeatGeek

[PICK SIX U @therealutahutes]

Whitt on his way out of Utah:

[Ryan @RyanDErickson]

All you Utah fans that wanted to move on from Whitt without thinking of the repercussions, is this fun for you yet? That’s our best Defensive player. Don’t care if he’s injured. He’s a BEAST & will return strong. He’ll thrive at Michigan.

[Pete Nakos @PeteNakos]

Utah EDGE John Henry Daley plans to enter the transfer portal, his reps @ThisisESM tell @on3.

The 6-foot-4, 255-pound EDGE posted 48 total tackles, 11.5 sacks and 2 forced fumbles in 2025. Will have two seasons of eligibility remaining and be fully recovered by the spring of 2026. Daley becomes the top defensive player in the portal.

https://t.co/jQ0UySw3ZR

[Ryan @RyanDErickson]

@TheTeamAlways @MUSSemeritus

[Wolverine Chronicle @WolverineChron]

Michigan fans after finding how cool Utah fans are: