Too many people think will writing under 40 is too soon. It doesn’t matter whether you’re 25, 35, or somewhere in between—you are never too young to write a will or set up a Lasting Power of Attorney (LPA).
If you’re in your 20s or 30s, life is full of change: moving in with a partner, buying your first home, starting a family, launching a business, or saving for the future.
But what happens if life doesn’t go as planned?
The truth is, estate planning for young adults is just as important as it is for retirees. A will and LPA give you control, protect your loved ones, and prevent unnecessary legal or financial stress—no matter your age.
Isn’t Estate Planning Only for Older People?
Think again. Many people assume they don’t need to worry about writing a will until much later in life, but the reality is that unexpected illness, injury, or incapacity can affect anyone.
- Every 90 seconds, someone in the UK is admitted to hospital with a brain injury
- Over 800,000 people in the UK live with dementia, including early-onset cases under 65.
- Over 60% of under-40s who die each year do so without a will in place—known as dying intestate.
If you’re wondering, “Do I need a will under 30?” or “Can I set up an LPA if I’m young?” the answer is yes. It’s about planning for the unexpected and protecting your future.
What Happens If I Don’t Have a Will?
If you die without a will, the law decides who inherits your money, property, and possessions—and that might not reflect your wishes.
- Unmarried partners and stepchildren may receive nothing.
- Loved ones may face delays, legal fees, and added stress.
- Your estate could be handled by someone you wouldn’t have chosen.
Writing a will under 40 is the simplest way to ensure your loved ones are protected and your assets are distributed the way you want.
What If I Lose Mental Capacity and Don’t Have an Lasting Power of Attorney?
Losing mental capacity from an accident, illness, or even stress-related burnout is more common than you might think. Without an LPA:
- No one has the automatic right to manage your finances—not even your spouse or parents.
- Your family must apply to the Court of Protection, which is costly, slow, and stressful.
- Decisions about your medical care may be made by strangers, not loved ones.
Having Lasting Powers of Attorney in your 20s or 30s ensures you stay in control, even if you can’t make decisions for yourself.
The 3 Documents Every Young Adult Should Have
Estate planning for young professionals or young families doesn’t have to be complicated. These three tools give you peace of mind and practical protection:
- A Will sets out who inherits your estate and who handles your affairs.
- Property & Financial Affairs LPA – lets someone you trust manage your money, bills, and property.
- Health & Welfare LPA – covers decisions about treatment, care, and day-to-day support.
Don’t Like Paperwork? Try the Legacy App from Will Protect
You don’t need a solicitor in your living room or a thick folder of legal forms. Thanks to technology, you can now write your will and set up LPAs online, quickly and securely.
The Legacy App from Will Protect is a digital-first tool that helps you take control, without the hassle:
- Start your will or LPA online, anytime
- Easy step-by-step guidance with videos and support
- No appointments or legal jargon
- Available 24/7, wherever you are
It’s ideal for anyone looking for a simple, affordable will-writing app in the UK, especially younger adults with busy lives.
Quick Estate Planning Checklist for Will Writing Under 40
Wondering if you really need to start now? If you tick any of these, it’s time:
- I own or rent a home
- I live with a partner
- I have children
- I have savings or debts
- I want to avoid delays if something happens
- I don’t want my family dealing with legal red tape
If you said yes to even one, you’re ready to start planning.
Take Control of Your Future—Start Now
Estate planning isn’t just for the later stages of life. It’s for anyone who wants to be prepared, avoid stress for loved ones, and make sure their wishes are respected. The younger you are, the more flexible and secure your planning can be.
With tools like Will Protect’s Legacy App, getting started is fast, private, and affordable—whether you’re writing a will at 30 or setting up an LPA at 25.
Because the unexpected doesn’t wait—and neither should you.
If you said yes to even one, you’re ready to start planning.
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