I have been watching financial you tubes. VERY depressing. The widow's tax. Various penalties with how one leaves property and monies...Revocable trusts won't save you. Lawyers don't explain things as they need to be explained....
My lawyer and friend died in 2020. Wish someone like him was still available. He said he could not recommend anyone in the area.
Transfer on Death deeds help for now until they change the laws some more. Laws did not change with the inflation since they started and who knows what will happen to SS...