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"I don't care what happens to my stuff. I'll be dead." Many people assume a will is just to divvy up their knick knacks and record collection. But the truth is that having your wishes in place while you're living is like insurance for the decisions you've worked so hard to make during your lifetime. If you don't make a plan, you are essentially electing the default plan (also known as intestacy). Every state has a set of laws for people without a will, and the state could decide what happens to all of your belongings (and even your kids). Defining what you want to happen later means being free to live the life you want right now.

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Estate Planning for Grownups

The estate planning discussion isn’t a fun one to have, but it’s important to discuss creating a will, advance health care directive, life insurance, and disability insurance with your loved ones.

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