I got married when I was 19

and he was 23…we did not have much but it was one of the first things we did. Then with the adoption of our 3 daughters, we needed to tweak the will a bit but it has always been a priority to make sure we are all taken care of in case one of us gets wiped out.
DH lost his Dad at 12 and I lost my Mom at 19 so have always been well aware that life can be gone in the blink of an eye.
Even when I travel, I always write a letter and leave it on my computer in my “Bucket File” so my kids will have a last note from me telling them how much I love them. Seems weird I know, but my perspective is formed by a lot of loss with out a lot of opportunity to say goodbye.