October 5, 2025 • 16 mins
Can ChatGPT write your will? I'll give you my answer in Episode 87 of Boomer Time with the following headlines that I think are important for you to know about:
From Forbes.com: 4 Predictions For The Future Of AI In Estate Planning
From People.com: Woman Conned Out of $15K After AI Cloned Her Daughter’s Voice in Terrifying Scam: 'I Broke Down'
https://people.com/woman-conned-out-of-usd15k-after-ai-cloned-daughters-voice-terrifying-scam-11775622
From Parents from Yahoo Life: Grandparents Are Falling for AI Misinformation—Here’s How To Help Them Spot the Fakes
https://www.yahoo.com/lifestyle/articles/grandparents-falling-ai-misinformation-help-193625481.html
🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/📙 I'm also on Substack! You can join my Substack community here: https://nancycogar.substack.com/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Hello out there, Nancy Cogard here, and this is Boomer time.
So glad you're here. I want to talk about something
today related to artificial intelligence.
We see AI all over the place andit seems like it does something
new every day, right? So here's a question for you.
I'm wondering what you're thinking.
(00:21):
Do you think that artificial intelligence can be used to
write your will, your last will and testament?
Do you think that that would work?
Do you think there might be someproblems with that?
Do you think that that's the solution to your needing a will?
(00:41):
I want to know what you think. So think about that and the
answer may surprise you. I'll have that answer coming up
in just a few minutes. But first I wanted to get to
some new headlines that I think are important and I think you
should know about these. They do have something to do
with AI, also artificial intelligence.
(01:02):
This is similar to what I've told you before, but first,
Yahoo Life is reporting that grandparents out there, older
adults, are falling for misinformation, which is
generated by artificial intelligence and has an article
that talks about how to help spot the fakes.
So I will put this on my website, nancykogar.com.
(01:23):
But I thought it was interestingtalking about cloning voices,
regenerating videos, making it seem like they're one thing when
they're not targeting adults, older adults in particular.
There was one where grandparentsscam, as they call them.
I had a person who was claiming to be their grandchild and was
(01:44):
in legal trouble. You know, the hallmark with
these cases is a sense of urgency.
You got to do it right now. But turns out this was not the
grandchild. And a little bit more
information, another story aboutthat.
But this is so bad that the University of Michigan did a
(02:07):
poll and found out that 92% of adults over age 50, hey, that
includes me. Want to know?
They want to know if they're engaging a human human being.
Are you talking to a human beingor are you talking to a computer
AI? It is hard to tell, isn't it?
Well, preponderance of adults, 92% want to know.
(02:31):
So for those businesses out there, I think it might do them
some good to let people know whether they're dealing with a
bot, write an AI bot, or whetherthey're talking to a person.
So People magazine went into thecase I mentioned in Florida
where grandma received a phone call from someone who was
(02:54):
sounded like her daughter. And she said, I've been in a car
accident and I need help. I've been detained, arrested,
right? And I need $15,000 in bail
money. Well, she withdrew the cash.
(03:14):
She followed through with the instructions, but she her
grandson intervened and helped her to get in touch with a real
daughter. And then when she heard it was a
real daughter, real daughter wasat work so she wasn't in a car
accident. They went in turn and reported
this to the Hillsborough County Sheriff's Office and it is now
(03:38):
under investigation. I'm telling you this, this stuff
is all over the place, but I'm going to post these stories on
my website. So if you want to take a look at
those, they will be available for you.
OK, well, those are two stories that show you that this is stuff
you need to know about and stay aware.
So I posed a question to you as we started here today.
(04:02):
Do you think that you can use artificial intelligence to write
your will? This is your last will and
testament that you leave upon your death.
As to what happens with your property.
Have you been thinking about it like it's going to cause some
problems? I'll have more in the answer for
you coming up. Well, welcome back.
(04:32):
So what do you think? Can you use artificial
intelligence, ChatGPT, or whatever you select to write
your will? And do you think there'd be a
problem with that? So what do I think?
Well, I'll tell you that it seems like AI can do all kinds
(04:54):
of things. And there's more and more
software that's out there that is claiming to do this, claiming
to do that in a more specializedmanner.
But I do think for right now it is ripe with problems.
So I wouldn't do it and here's why.
OK, so wills, especially here inthe state of Tennessee are
(05:21):
strictly construed. That sounds like legal term,
doesn't it? But it means if it doesn't
contain what it the law requires, it's not enforceable.
So you relying on a computer to create a document for you.
I just just sounds like problems.
(05:43):
So if it doesn't do what the lawrequires, you're going to be in
trouble. And it may not be a valid will.
You know whether it's signatures, whether it's the
clause is used, whether it's theway it's phrased.
You don't know and you don't have the discernment because
you're not a lawyer. So you don't know what it's
(06:03):
supposed to have or not have. And course AI wants to please
you, right? It's trying to answer your
question to make you happy. And AI is will hallucinate over
some of those things, believe itor not.
And what it comes up with may not be valid.
(06:26):
We've seen some of that. There were some stories recently
where even big time law firms were getting in trouble for
using AI to draft legal documents that were submitted to
a court. And lo and behold, they didn't
check it. And there were cases that AI
made-up. So, so see, even lawyers
(06:48):
couldn't run into trouble with that.
So I just think it, it just doesn't make sense.
Maybe in the future we can get AI more directed on specific
tasks like that that can help toreduce costs, make it simpler
and so so forth. By right now I wouldn't do it.
I would still rely on the old fashioned way.
(07:12):
The the other issue is of courseit has to be written document
here and inked original with witnesses, all that.
So I, I think if you're doing iton a computer, you may not, you
may not know. And there's so many intricacies
related to beneficiaries and thedifferent legal terms and things
(07:36):
that may happen with inheritances.
Again, I just don't, I don't think that AI can come up with
that right now. And it can cause
misunderstandings. I mean, you may mean one thing,
AI is trying to tell you anotherthing, and wills are ripe for
(07:58):
contests because of course people get mad if they don't get
what they think they deserve sometimes, right?
So the last thing you want to dois have a document that a
computer created that doesn't necessarily have the expertise
behind it to protect about thosekinds of things.
(08:21):
But you know, like I said, I admit that AI keeps changing all
the time. And so I found a story in Forbes
that I'm going to link to my website that talks about some of
the predictions that it sees andmaybe in the future of AI as far
as the state planning. And I, I thought this was pretty
interesting. So I always recommend that
(08:44):
people update their documents ifyou have a big life change, Say
you get married, say somebody dies, say you've got a new
grandkid, you've got somebody that has a special need.
You switch jobs, you move your assets, change.
All those things deserve a second look and possibly updates
(09:05):
to your estate planning documents.
So what if AI could help you do that more seamlessly?
Hey, I think that's a great idea.
I would rather you have an updated document that was
enforceable than an outdated document that may cause
problems. But you know, we, we need to
(09:27):
look at how it's going to do that.
And the same issues apply that Ijust talked about, which was,
you know, what does the law say?What does the law require?
How do you discern that if you're not a lawyer?
So I think it's got potential, but I don't think it's here yet.
AI also won't react to changes. It may leave something out.
(09:56):
It doesn't know. It doesn't know.
And like I said, it's trying to please you.
So even if it's not accurate, itmay put it in there because you
asked for it. So I think that the road ahead,
as it's stated in this Forbes magazine, is that it'll it may
(10:17):
make things simpler. It will absolutely change the
way we do things. Like I said, they're using AI
now in lots of different ways with the legal industry.
Sometimes it gets them in trouble, but but I do think
things are going to change. So this is something I'm going
(10:38):
to keep an eye on, but I'm goingto leave this Forbes article up
for your consideration. And that will be on
nancykogar.com. And remember to like and
subscribe because we want to getthat information out to more
people, including the podcast itself.
I think that that's important. So should you use AI to write
(11:04):
your will? Like I said, I do think that
it's worth discussing within a state of planning attorney.
I think that they should have some views on it.
I just think generally speaking,families and people are so
(11:24):
complex and it's not one thing happens to the other.
It's it's an assortment of things, right, that can be
involved. And I just don't think AI is
detailed oriented enough to comeup with those things.
Like if you've got a blended family, you've got minor kids,
you've got a family owned business, say you've got
something going on with a special needs child.
(11:47):
All those things vary from stateto state.
So just sounds like a big nightmare to me.
But if it does become available,of course, I will tell you that
if I find something that I thinkis absolutely spot on, but I
don't think we're there yet. So what did you think?
What, what was your response? Were you close?
(12:09):
Were you far out? Did you get it wrong?
Well, it's OK. I want to share what you you
thought. You can reach out to me at
nancykogar.com. Let me know.
I'd be interested to see what, what you've got to say about
that. Here's another question for you.
Right. The law is all about
circumstances, you know? But what if I did this right?
(12:31):
Well, what if you had a will created on AI and then you took
it down to me to look at and seeif it was accurate?
I think that's the same thing aswhen people give me a
handwritten will and they say, will this work?
Or if they've got some other kind of computerized created
(12:53):
document and they say, will thiswork?
Is this valid? What do you think they want me
to look at other documents? Well, I'm in this business for a
reason, OK? And I have a lot of things that
are associated with my business,including malpractice insurance,
right? So I rely on what I create.
(13:14):
And so if you, the non lawyer, create something on AI, I'm
generally going to say it doesn't work because on the
opposite side, when I have people coming in after a family
member has died, you know, they may or may not have had
something that they believed wasa will.
(13:37):
A lot of times they got problems.
I've chased people all over towntrying to cure wills with
witnesses that we couldn't find that they had signed from a UPS
office or something like that. So it's just, it's so
complicated. They're just so many things that
you think you're doing yourself a favor.
But you take those shortcuts. And the shortcut more often than
(14:01):
not, will create a big expensiveproblem for you down the road.
And something that is important as this of what you want to
happen to your things, to your loved ones after you pass.
I think that's so important. Why would you want to take a
shortcut with that? Well, think about it.
(14:24):
OK, but that would be my answer to that.
I, I don't know where that document came from.
Of course, you said it came fromAII don't know that to be true.
But then if I start deconstructing it and trying to
decide whether this is good or whether this is bad, I tell you,
most lawyers aren't going to spend the time to do that.
That's just the way it is. We get paid for our time and if
(14:49):
we do it the right way, we are going to suggest that you follow
our documents because we know those to be accurate and we know
them to be providing specific things in them that you need
based on your scenarios. So that would be my answer to
that question, but good question.
(15:09):
So I think this is an interesting issue and you know,
and it's bound to change. So it's one of those things that
you're just watching it evolve, right?
We may be in a place 510 years from now that we never expected
to be. And that's just interesting.
So I don't, I don't know what the end result is as far as
(15:30):
artificial intelligence, but I know that it's intelligent to
stay educated about where it's going and what it's doing.
And I will do that for you. So that's another reason to just
stay connected with Boomer Time and me.
So make sure, like I said, to like and share and follow so
that you can stay in touch with all the things we talked about
(15:53):
here on Boomer Time. And I have all kinds of
resources at www.nancycogar.com and you can find those there and
you can get in touch with me. So I hope you do that and we'll
have all kinds of things to say,including AI.
So, well, thanks for being with me today and I hope you've
(16:14):
enjoyed this and it should hopefully be useful because
these things can be very complicated and I want to make
things simpler for you so you have a better plan in place and
you're more protected in the future.
I'll see you next time. Thanks for joining me.
Hello out there, Nancy Cogard here, and this is Boomer time.
So glad you're here. I want to talk about something
today related to artificial intelligence.
We see AI all over the place andit seems like it does something
new every day, right? So here's a question for you.
I'm wondering what you're thinking.
(00:21):
Do you think that artificial intelligence can be used to
write your will, your last will and testament?
Do you think that that would work?
Do you think there might be someproblems with that?
Do you think that that's the solution to your needing a will?
(00:41):
I want to know what you think. So think about that and the
answer may surprise you. I'll have that answer coming up
in just a few minutes. But first I wanted to get to
some new headlines that I think are important and I think you
should know about these. They do have something to do
with AI, also artificial intelligence.
(01:02):
This is similar to what I've told you before, but first,
Yahoo Life is reporting that grandparents out there, older
adults, are falling for misinformation, which is
generated by artificial intelligence and has an article
that talks about how to help spot the fakes.
So I will put this on my website, nancykogar.com.
(01:23):
But I thought it was interestingtalking about cloning voices,
regenerating videos, making it seem like they're one thing when
they're not targeting adults, older adults in particular.
There was one where grandparentsscam, as they call them.
I had a person who was claiming to be their grandchild and was
(01:44):
in legal trouble. You know, the hallmark with
these cases is a sense of urgency.
You got to do it right now. But turns out this was not the
grandchild. And a little bit more
information, another story aboutthat.
But this is so bad that the University of Michigan did a
(02:07):
poll and found out that 92% of adults over age 50, hey, that
includes me. Want to know?
They want to know if they're engaging a human human being.
Are you talking to a human beingor are you talking to a computer
AI? It is hard to tell, isn't it?
Well, preponderance of adults, 92% want to know.
(02:31):
So for those businesses out there, I think it might do them
some good to let people know whether they're dealing with a
bot, write an AI bot, or whetherthey're talking to a person.
So People magazine went into thecase I mentioned in Florida
where grandma received a phone call from someone who was
(02:54):
sounded like her daughter. And she said, I've been in a car
accident and I need help. I've been detained, arrested,
right? And I need $15,000 in bail
money. Well, she withdrew the cash.
(03:14):
She followed through with the instructions, but she her
grandson intervened and helped her to get in touch with a real
daughter. And then when she heard it was a
real daughter, real daughter wasat work so she wasn't in a car
accident. They went in turn and reported
this to the Hillsborough County Sheriff's Office and it is now
(03:38):
under investigation. I'm telling you this, this stuff
is all over the place, but I'm going to post these stories on
my website. So if you want to take a look at
those, they will be available for you.
OK, well, those are two stories that show you that this is stuff
you need to know about and stay aware.
So I posed a question to you as we started here today.
(04:02):
Do you think that you can use artificial intelligence to write
your will? This is your last will and
testament that you leave upon your death.
As to what happens with your property.
Have you been thinking about it like it's going to cause some
problems? I'll have more in the answer for
you coming up. Well, welcome back.
(04:32):
So what do you think? Can you use artificial
intelligence, ChatGPT, or whatever you select to write
your will? And do you think there'd be a
problem with that? So what do I think?
Well, I'll tell you that it seems like AI can do all kinds
(04:54):
of things. And there's more and more
software that's out there that is claiming to do this, claiming
to do that in a more specializedmanner.
But I do think for right now it is ripe with problems.
So I wouldn't do it and here's why.
OK, so wills, especially here inthe state of Tennessee are
(05:21):
strictly construed. That sounds like legal term,
doesn't it? But it means if it doesn't
contain what it the law requires, it's not enforceable.
So you relying on a computer to create a document for you.
I just just sounds like problems.
(05:43):
So if it doesn't do what the lawrequires, you're going to be in
trouble. And it may not be a valid will.
You know whether it's signatures, whether it's the
clause is used, whether it's theway it's phrased.
You don't know and you don't have the discernment because
you're not a lawyer. So you don't know what it's
(06:03):
supposed to have or not have. And course AI wants to please
you, right? It's trying to answer your
question to make you happy. And AI is will hallucinate over
some of those things, believe itor not.
And what it comes up with may not be valid.
(06:26):
We've seen some of that. There were some stories recently
where even big time law firms were getting in trouble for
using AI to draft legal documents that were submitted to
a court. And lo and behold, they didn't
check it. And there were cases that AI
made-up. So, so see, even lawyers
(06:48):
couldn't run into trouble with that.
So I just think it, it just doesn't make sense.
Maybe in the future we can get AI more directed on specific
tasks like that that can help toreduce costs, make it simpler
and so so forth. By right now I wouldn't do it.
I would still rely on the old fashioned way.
(07:12):
The the other issue is of courseit has to be written document
here and inked original with witnesses, all that.
So I, I think if you're doing iton a computer, you may not, you
may not know. And there's so many intricacies
related to beneficiaries and thedifferent legal terms and things
(07:36):
that may happen with inheritances.
Again, I just don't, I don't think that AI can come up with
that right now. And it can cause
misunderstandings. I mean, you may mean one thing,
AI is trying to tell you anotherthing, and wills are ripe for
(07:58):
contests because of course people get mad if they don't get
what they think they deserve sometimes, right?
So the last thing you want to dois have a document that a
computer created that doesn't necessarily have the expertise
behind it to protect about thosekinds of things.
(08:21):
But you know, like I said, I admit that AI keeps changing all
the time. And so I found a story in Forbes
that I'm going to link to my website that talks about some of
the predictions that it sees andmaybe in the future of AI as far
as the state planning. And I, I thought this was pretty
interesting. So I always recommend that
(08:44):
people update their documents ifyou have a big life change, Say
you get married, say somebody dies, say you've got a new
grandkid, you've got somebody that has a special need.
You switch jobs, you move your assets, change.
All those things deserve a second look and possibly updates
(09:05):
to your estate planning documents.
So what if AI could help you do that more seamlessly?
Hey, I think that's a great idea.
I would rather you have an updated document that was
enforceable than an outdated document that may cause
problems. But you know, we, we need to
(09:27):
look at how it's going to do that.
And the same issues apply that Ijust talked about, which was,
you know, what does the law say?What does the law require?
How do you discern that if you're not a lawyer?
So I think it's got potential, but I don't think it's here yet.
AI also won't react to changes. It may leave something out.
(09:56):
It doesn't know. It doesn't know.
And like I said, it's trying to please you.
So even if it's not accurate, itmay put it in there because you
asked for it. So I think that the road ahead,
as it's stated in this Forbes magazine, is that it'll it may
(10:17):
make things simpler. It will absolutely change the
way we do things. Like I said, they're using AI
now in lots of different ways with the legal industry.
Sometimes it gets them in trouble, but but I do think
things are going to change. So this is something I'm going
(10:38):
to keep an eye on, but I'm goingto leave this Forbes article up
for your consideration. And that will be on
nancykogar.com. And remember to like and
subscribe because we want to getthat information out to more
people, including the podcast itself.
I think that that's important. So should you use AI to write
(11:04):
your will? Like I said, I do think that
it's worth discussing within a state of planning attorney.
I think that they should have some views on it.
I just think generally speaking,families and people are so
(11:24):
complex and it's not one thing happens to the other.
It's it's an assortment of things, right, that can be
involved. And I just don't think AI is
detailed oriented enough to comeup with those things.
Like if you've got a blended family, you've got minor kids,
you've got a family owned business, say you've got
something going on with a special needs child.
(11:47):
All those things vary from stateto state.
So just sounds like a big nightmare to me.
But if it does become available,of course, I will tell you that
if I find something that I thinkis absolutely spot on, but I
don't think we're there yet. So what did you think?
What, what was your response? Were you close?
(12:09):
Were you far out? Did you get it wrong?
Well, it's OK. I want to share what you you
thought. You can reach out to me at
nancykogar.com. Let me know.
I'd be interested to see what, what you've got to say about
that. Here's another question for you.
Right. The law is all about
circumstances, you know? But what if I did this right?
(12:31):
Well, what if you had a will created on AI and then you took
it down to me to look at and seeif it was accurate?
I think that's the same thing aswhen people give me a
handwritten will and they say, will this work?
Or if they've got some other kind of computerized created
(12:53):
document and they say, will thiswork?
Is this valid? What do you think they want me
to look at other documents? Well, I'm in this business for a
reason, OK? And I have a lot of things that
are associated with my business,including malpractice insurance,
right? So I rely on what I create.
(13:14):
And so if you, the non lawyer, create something on AI, I'm
generally going to say it doesn't work because on the
opposite side, when I have people coming in after a family
member has died, you know, they may or may not have had
something that they believed wasa will.
(13:37):
A lot of times they got problems.
I've chased people all over towntrying to cure wills with
witnesses that we couldn't find that they had signed from a UPS
office or something like that. So it's just, it's so
complicated. They're just so many things that
you think you're doing yourself a favor.
But you take those shortcuts. And the shortcut more often than
(14:01):
not, will create a big expensiveproblem for you down the road.
And something that is important as this of what you want to
happen to your things, to your loved ones after you pass.
I think that's so important. Why would you want to take a
shortcut with that? Well, think about it.
(14:24):
OK, but that would be my answer to that.
I, I don't know where that document came from.
Of course, you said it came fromAII don't know that to be true.
But then if I start deconstructing it and trying to
decide whether this is good or whether this is bad, I tell you,
most lawyers aren't going to spend the time to do that.
That's just the way it is. We get paid for our time and if
(14:49):
we do it the right way, we are going to suggest that you follow
our documents because we know those to be accurate and we know
them to be providing specific things in them that you need
based on your scenarios. So that would be my answer to
that question, but good question.
(15:09):
So I think this is an interesting issue and you know,
and it's bound to change. So it's one of those things that
you're just watching it evolve, right?
We may be in a place 510 years from now that we never expected
to be. And that's just interesting.
So I don't, I don't know what the end result is as far as
(15:30):
artificial intelligence, but I know that it's intelligent to
stay educated about where it's going and what it's doing.
And I will do that for you. So that's another reason to just
stay connected with Boomer Time and me.
So make sure, like I said, to like and share and follow so
that you can stay in touch with all the things we talked about
(15:53):
here on Boomer Time. And I have all kinds of
resources at www.nancycogar.com and you can find those there and
you can get in touch with me. So I hope you do that and we'll
have all kinds of things to say,including AI.
So, well, thanks for being with me today and I hope you've
(16:14):
enjoyed this and it should hopefully be useful because
these things can be very complicated and I want to make
things simpler for you so you have a better plan in place and
you're more protected in the future.
I'll see you next time. Thanks for joining me.
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Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies!
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!