Why You Need a Will — Even If You’re Under 40

Many people think wills are only for the elderly or the wealthy. In reality, a will is one of the most important legal documents you can have — no matter your age or income. At Willing Law, we often meet clients in their 20s, 30s, and early 40s who assume they can “deal with it later.” Unfortunately, life doesn’t always go as planned, and not having a will can create unnecessary stress and expense for the people you love most.

Protecting Your Loved Ones

If something unexpected happens, a will ensures your loved ones aren’t left guessing about your wishes. Without one, Ontario’s Succession Law Reform Act decides who inherits your property — not you. That means your assets might go to relatives you didn’t intend to benefit, and it can take months (or even years) for your estate to be settled.

Creating a will lets you:

• Choose who inherits your home, bank accounts, and personal items.

• Designate guardians for your children or pets.

• Name someone you trust to handle your affairs (your estate trustee).

Simplifying the Legal Process for Your Family

Dying without a will (called intestacy) creates delays and legal complications. Your family may need to apply to the court to be appointed as estate trustee, which can be time-consuming and costly. A properly drafted will avoids these roadblocks and gives your family clear direction when they need it most.

Protecting Your Partner

If you’re not married but live with your partner, it’s especially important to have a will. In Ontario, common-law partners do not automatically inherit if you pass away without one. A will ensures your partner is protected and not left out of your estate.

Planning for Digital Assets and Personal Wishes

Your will doesn’t just cover money and property — it can also include your digital life. You can outline how you want your online accounts, photos, or even social media handled after your passing. You can also include personal wishes like funeral preferences or the handling of sentimental items.

Peace of Mind and Control

Creating a will isn’t about being morbid — it’s about being prepared. You’ve worked hard to build your life, and having a will gives you control over what happens next. It provides peace of mind knowing your loved ones won’t be left navigating uncertainty.

The Bottom Line

Even if you’re young, healthy, and just starting to build your wealth — a will is a simple but powerful tool to protect everything you care about.

At Willing Law, we make the process easy and approachable. Whether you’re buying your first home, starting a family, or simply want to ensure your affairs are in order, we can help you create a plan that reflects your wishes.

📞 Contact Willing Law today to start your will and estate plan. Because it’s never too early to plan for the future — but it can be too late.