Why Writing a Will Isn't Just for Boomers

You’re adulting now—not just because you’re paying bills or working a full-time job, but because you’re about to do the one thing no one told you was part of growing up: writing a will. I know, I know, wills seem like something only Boomers with stocks, bonds, and beach houses need to worry about. But trust me, you need a will too. Even if your most valuable possession is your dog and your PS5, there are plenty of reasons to create a will sooner rather than later.

What Is a Will, and Why Do You Need One?

A will is a legal document that outlines how you want your assets—yes, even your half-broken AirPods—to be distributed after you die. It also includes instructions on who will care for any dependents (like your dog or cat) and who should manage your estate. Think of it like setting up your final “to-do” list for the people you leave behind, so they aren’t left guessing what to do with your stuff.

So why do you need a will? Because without one, the state decides what happens to your assets—and trust me, the government doesn’t care about your carefully curated vinyl collection or your dog’s preference for gluten-free treats. If you die without a will, your assets go through probate, which can be a long, expensive process. Having a will gives you control and peace of mind, knowing your wishes will be followed.

What Happens If I Don’t Have a Will?

If you pass away without a will (also known as dying "intestate"), the state steps in and distributes your assets according to local laws. And no, they won’t care about that sentimental piece of jewelry or who you really wanted to take care of your pets. Instead, your property and assets will likely be split among your next of kin, which might mean your estranged cousin ends up with your dog, or your parents get to decide what happens to everything you own.

Even worse, if you don’t have close relatives, your entire estate could end up with the state. Creating a will ensures that you decide who gets what, and how your assets—however small—are handled.

The Importance of Estate Planning

Estate planning isn’t just for wealthy retirees. Even if you’re just starting out in life, having the basic legal documents everyone should have, like a will, is part of responsible adulting. It ensures that your hard-earned assets are protected and that the people or causes you care about are taken care of.

Beyond just writing a will, consider creating other essential legal documents like a power of attorney (so someone can make decisions for you if you’re incapacitated) or a healthcare directive (so your wishes for medical care are followed). Together, these documents create a solid foundation for your estate plan.

Do I Really Need a Will?

You might be thinking, “I’m young and don’t have much—do I really need a will?” The answer is yes, because a will does more than just distribute assets. It appoints guardians for your pets, ensures your preferences are honored, and saves your family from the headache of navigating probate court.

No matter where you are in life, having a will is a smart move. It’s part of being prepared for the unexpected and ensuring that your legacy—however modest or grand—is handled your way.

If you haven’t written a will yet, now’s the time to get started. It’s quick, it’s easy, and it gives you control over your assets. Whether you have a massive estate or just a few prized possessions, creating a will helps protect the people and pets you care about.

Need help getting started? Contact us today for guidance on how to write a will and protect your future. It’s one of the most important things you can do—both for yourself and for the ones you leave behind.