What do you do when you've got enough to stop working, but spending it means you can never buy again?

And, even once you've built something worth passing on, how do you stop it being sold off the moment you're gone?

Rob & Rob answer two tricky listener questions on this week's show.

• (00:41) Liam has an HMO, a couple of single lets and a construction company. He could replace his income tomorrow by putting his refinance money into two more HMOs, but that leaves nothing to recycle into future projects. Rob D refuses to treat this as a choice between two options.
• (05:03) Ryan's portfolio is growing and his attention has turned to the generations after him. From wills to trusts, what does he need to be thinking about now? Rob B covers the structures an advisor might put in front of him, and the thing that matters more than all of them.

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