Why a Written Will Truly Matters

I never imagined writing about estate planning. It felt like something for much older people, or for the wealthy—something I could put off for “someday.” But everything changed when my cousin passed away recently at the young age of 37.

He didn’t have a written will.

What followed was chaos. He had two families, and yet his life insurance went to his mother—because she was the one listed on his policy back when he was still single. He never updated it. He probably meant to, but life got busy, and like so many of us, he thought he had time.

Watching that unfold broke something inside me—not just because of the grief, but because of how easily it could have been avoided.

This article isn’t just about legal documents. It’s a wake-up call, a reflection, and a sincere plea: don’t wait. Whether you’re 25 or 55, married or single, rich or just getting by—a written will is one of the most powerful, responsible things you can do for the people you love.

Why a Written Will Truly Matters

A will isn’t just a formality. It’s your voice, legally recognized, when you can no longer speak. Without it, even your closest loved ones can be left in the dark or in dispute.

A written will ensures:

Your intentions are honored—who inherits what, who takes care of your children, and how your assets are distributed.

Avoidance of unnecessary legal drama—no painful court battles or family arguments.

Peace of mind—for both you and your loved ones.

I used to think I was too young to worry about these things. But my cousin's death reminded me: life doesn’t wait for us to be ready.

Estate Planning Doesn’t Have to Be Complicated

One common myth is that creating a will is expensive, time-consuming, or only for people with big estates. That’s not true.

In fact, here’s what I’ve learned:

You can start simple. A basic will can cover your most important wishes.

There are affordable tools online and legal professionals who offer budget-friendly guidance.

What matters most is starting. You can always update it later.

The Core Benefits of Having a Written Will

Let’s break this down plainly—here’s what a will actually does for you and your family:

✅ Gives You Control

You decide what happens to your assets, not the courts. You get to name guardians for your kids and distribute belongings meaningfully.

✅ Prevents Unwanted Outcomes

If you don’t write it down, the government uses default laws—which may not match your values, beliefs, or your family’s needs.

✅ Reduces Conflict

Clarity saves relationships. A clear, legally binding will can prevent heartbreaking misunderstandings and arguments.

✅ Simplifies the Legal Process

Probate becomes less stressful when your will outlines everything. It’s a final gift of peace to your family during a painful time.

How to Get Started (Even if You’re New to This)

Starting your will might feel overwhelming, but breaking it down into steps makes it manageable:

List your assets

Think of everything—your bank accounts, house, car, investments, even personal items with sentimental value.

Choose your beneficiaries

Who should receive what? Be specific. If your situation is unique (like having dependents in different households), make sure it’s reflected.

Name an executor

This person will carry out your wishes. Choose someone you trust deeply.

Seek help if needed

You can begin with online templates, but it’s wise to consult a professional—especially if your estate is more complex.

A Personal Note: Why I’m Writing This Now

If you’ve read this far, thank you. This isn’t an easy topic to talk about—but it’s too important to ignore.

I watched my cousin’s family go through emotional and financial turmoil because something as simple as updating a document wasn’t done. And the truth is, any of us could be in that same position tomorrow. Accidents don’t discriminate. Neither does time.

So I’m writing this not just as a reflection—but as a reminder.

💬 If you love your family, protect them. Not just with your presence—but with your plans.

💬 If you want peace of mind, take control of your legacy now—not later.

Final Thoughts: Your Legacy Begins Now

Estate planning is more than just legal paperwork—it’s a way to honor the people you love. It’s how you show them you cared enough to prepare.

Having a written will doesn’t make death come sooner. It makes life, and its transitions, a little bit gentler for the ones you’ll one day leave behind.

So let this be your moment to act—not out of fear, but out of love.

🖊️ Start your will. Update your beneficiaries. Write down your wishes.

You owe it to yourself. More importantly, you owe it to them.

About the Author

Jack Marbida is a husband, father, financial advisor, speaker, and writer. He helps Filipino families become financially secure and emotionally prepared through practical education and heart-centered conversations. As the founder of Online Advisors Financial Education, Jack shares insights on life, legacy, and faith through blogs, videos, and personal coaching.

📬 Got questions or need help with estate planning? Reach out to Jack at papajackph@gmail.com.