If the word “will” makes you picture mahogany desks, dusty law books, and old money family drama—don’t worry. The truth is, you don’t need to have a lot of money (or be old) to have a will. You just need a few things worth protecting—and a desire to make things easier for your loved ones if the unexpected happens.
A simple will can be one of the most important documents you ever create, and it doesn’t have to be complicated or expensive. In fact, you can write one yourself using the right tools and a bit of guidance. This article breaks it down so you can stop putting it off and finally get it done.
Why a Will Matters (Even If You Don’t Own Much)
A will is a legal document that spells out what happens to your assets and who should take care of any minor children if something happens to you. That’s it. At its core, it’s a plan for your people and your possessions.
Even if you’re not rolling in real estate or investment accounts, chances are you own more than you think: a car, a bank account, maybe some heirlooms or digital assets (like that growing crypto wallet or YouTube channel). Without a will, state laws decide who gets what. That can create confusion, conflict, and extra work for the people you care about most.
If you want to have any say in the matter, you need a will.
What a Simple Will Can Cover
A basic will doesn’t need to be filled with legalese. It just needs to be clear, legally valid, and easy to follow. A simple will typically includes:
- Who you want to receive your property and assets
- Who should become the guardian of your minor children (if applicable)
- Who you’re naming as your executor (the person who carries out your wishes)
- Any specific gifts you want to leave (like your guitar, grandma’s ring, or your NFT collection)
You don’t have to include every item you own—just the meaningful or valuable stuff you care about.
What You’ll Need to Get Started
Before writing your will, take a few minutes to gather some basic information:
- A list of your major assets (bank accounts, car, home, retirement accounts, etc.)
- A list of personal belongings you want to leave to specific people
- Names of your beneficiaries (the people who will receive your stuff)
- The name of your executor (someone trustworthy and organized)
- If you have minor children, the name of a guardian
If you’re married, it’s a good idea for both spouses to create separate wills, even if the content is nearly identical.
How to Write a Simple Will
You have a few options when it comes to drafting a will. The key is choosing a method that’s legally recognized in your state and fits your comfort level:
1. Use an Online Will-Making Tool
There are reputable, affordable services like Trust & Will, Fabric, and LegalZoom that walk you through the process with easy-to-understand questions. These tools typically cost between $0 and $100.
Many of them also offer legal reviews or packages that include power of attorney and health care directives, which are helpful if you want a complete estate plan.
2. Write It Yourself Using a Template
If you’re comfortable going the DIY route, you can find state-specific will templates online. Just make sure the template complies with your state’s laws and includes the required language and signatures.
Tip: Some states allow handwritten (holographic) wills, but they’re harder to validate. Typed and properly witnessed wills are always safer.
3. Work with an Attorney
If your situation is complex—like if you have a blended family, a business, or significant assets—it’s worth hiring an estate planning attorney. But for most people just starting out, a simple will is often enough.
What Makes a Will Legally Valid?
A will is only useful if it holds up in court. To make it legally binding, it typically needs to:
- Be in writing (typed is best)
- Be signed by you (the person making the will)
- Be signed by two adult witnesses who are not beneficiaries
Some states require notarization, and others recommend it for extra protection. Be sure to check your state’s requirements—or use an online tool that builds this in for you.
Where to Store Your Will
Once you’ve written your will, keep it in a safe but accessible place. Let your executor know where to find it. Don’t hide it so well that nobody can track it down when they need it.
Consider storing it:
- In a fireproof safe at home
- With your attorney, if you used one
- Digitally (with services like Everplans or Trust & Will)
- With a trusted family member (in a labeled folder—not in a shoebox in the attic)
When to Update Your Will
A will isn’t one-and-done. You’ll want to review and revise it anytime you hit a major life milestone:
- Getting married or divorced
- Having a child or adopting
- Buying a home
- Moving to a new state
- Acquiring significant new assets
- Losing a named beneficiary or executor
Even if your life hasn’t changed much, it’s smart to revisit your will every 2–3 years.
Writing a simple will is one of the easiest (and kindest) ways to take care of the people you love. It doesn’t take long, doesn’t require a law degree, and doesn’t cost a fortune. But the peace of mind it brings? That’s priceless.
You’ve worked hard to build a life and a future. A simple will ensures that no matter what happens, your wishes—and your people—are protected.
Estate Planning Guide Related Posts
- Estate Planning Basics: What You Need to Know
- Why Your Beneficiaries Matter More Than You Think
- How to Organize Your Important Financial Documents
- How to Store Estate Planning Documents Safely
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