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A quick internet search will bring up a long list of cases where someone died without a will leaving their family in turmoil. “But those articles are about rich people with a lot of money.”

Not always.

Almost everyone would benefit by having a will to maintain order at their death. Even if you do not have substantial assets, or even if you have a negative net worth with a lot of debt, a will can create a great degree of order at a time when emotions are high.

In short, a will is an integral part of a great financial plan and as a rule there are many more reasons to have one, than not.