Why Everyone Should Have a Will — Even If You’re Not “Rich or Old”

A will is beneficial for anyone with children, property, digital assets, or personal wishes. Almost anyone who owns assets, cares about their family’s future, or simply wants to control what happens to their legacy should have a will. Here’s why having a will matters — and why it’s wise to treat it as a foundational legal document, not an optional “luxury.”

What a Will Actually Does

You decide who inherits.

In a will, you name the person who will receive your property after you die.
State intestacy laws vary significantly and may direct property to relatives you did not intend to benefit.

You appoint someone to carry out your wishes.

A will lets you name an executor — a trusted person or institution who will handle your estate, pay debts, and distribute assets.
Without a will, the court selects an administrator based on statutory priority, which may cause disputes.

You can protect minor children.

If you have children under 18, a will lets you name a guardian (and/or property guardian).
A court will decide the guardian, but your nomination in a will carries significant weight.

You reduce chances of conflict.

By stating your wishes clearly, you help avoid family disputes and uncertainty.
A written will also reduces confusion and the likelihood of litigation.

The Risks of Not Having a Will or Having an Outdated One

State intestacy laws may differ from your personal preferences.

If no will exists, state law dictates who inherits — which may result in distributions that do not reflect your preferred beneficiaries.
Intestacy typically excludes stepchildren, unmarried partners, and friends.

Probate can be time-consuming or costly depending on the state and estate complexity.

A will can help clarify your wishes, but probate procedures still follow state law and may involve court oversight.

Uncertainty and possible conflicts.

Without clear instructions, heirs may disagree, and courts may need to intervene — an emotionally and financially draining process.

Children or loved ones may not be cared for as intended.

If no guardian or custodian is named, the court decides.

Changes in Life- Why a Will Must Be Updated Periodically

Your will should be reviewed periodically, especially when major life changes occur:

• Births, adoptions, or deaths
• Marriage, divorce, remarriage
• Buying/selling property, business changes, new investments
• Relocating to another state — wills valid where executed are generally honored, but reviewing for state-specific differences is recommended
• Changes in beneficiaries, priorities, executors, or guardians

Many attorneys recommend reviewing a will every few years or after major life events.

Why It's Smart to Use a Law Firm

While online templates can be convenient, they often overlook tax issues, state-specific rules, and complicated family dynamics. Working with a law firm brings several benefits:

• A lawyer can help ensure the will complies with state law.
• Professional guidance helps avoid pitfalls and ensure proper execution.
• Long-term planning becomes easier when combined with tools like trusts, beneficiary designations, and powers of attorney.

At Merit Law, we view estate planning as more than just asset distribution — it’s about protecting your family and ensuring your wishes are honored.

Contact Merit Law today to make or update a will that reflects your life and protects your legacy.

Disclaimer

Disclaimer: This blog is for informational purposes only and does not constitute legal advice. Estate and probate laws vary by state. For guidance specific to your situation, consult an attorney licensed in your jurisdiction.