Excuses are like armpits, Everyone has 2 and they stink.

"We have lost the life insurance piece of that since 1980," he says. "I don't know where it went, but our estate planners in the farming industry have just forgot about the power of that discounted dollar That's income tax free." The difference or the sanitized version is excuses are like armpits: Everybody's got two and they stink.