I think more often than not, something in life complicates estate planning–business

special needs kids or siblings, chronic illness, etc. dh and I both had mothers who had alzheimers. My maternal grandfather also had it. All died from something else but suffered with alzheimers for years. It is imperative we deal with living wills and powers of attorney for this reason. We don’t want dd left having to make decisions without knowing our wishes. We probably also ought to look into long term care insurance even though we are not yet at the magical age of 60 per DR. Dh is 56, soon to be 57. I am just shy of 52. We don’t want this awful disease to wipe out everything so we have nothing to leave dd.

For all the young adults on this list, which I consider anyone under 40, it is important for you to do estate planning as well. Over the years we have known people in their 40’s or younger who died suddenly— even some who were very healthy and even very athletic.

As we know there is a 100% chance of death.