Why I Wrote My Will in My 30s – And Why You Should Too

I used to think that writing a will was something I could leave for later in life—maybe when I was older, retired, or even “unwell.” After all, I was healthy, had a job, and life was going along just fine. Like many others, I assumed that wills were only for the elderly or the wealthy.

But then, a close friend of mine passed away suddenly in his early 40s. He had no will. What followed was months of confusion, tension, and heartache for his family. It made me realise how unpredictable life can be—and how much harder it is for our loved ones when we don’t prepare.

So I sat down and wrote my will. Not because I was afraid, but because I wanted peace of mind. And here’s what I’ve learned in the process.

A Will Is Not About Death—It’s About Love

In Singapore, if you pass away without a will, your estate will be distributed according to the Intestate Succession Act. That might sound fair enough—until you realise it might not reflect your wishes at all. For example, unmarried partners or stepchildren you’ve raised may not be entitled to anything, and the process can be long and emotionally draining.

Writing a will is your chance to say: “I’ve thought of you. I’ve made this easier for you.” It ensures your loved ones are not left navigating complicated legal processes while they are still grieving.

Your Life Is Already Worth Planning For

Many of us—especially those aged 35 to 65—are sandwiched between caring for elderly parents and raising children. We have properties, savings, CPF accounts, insurance policies, and sometimes, even businesses.

If you don’t say how these should be managed or distributed, someone else will decide on your behalf. The default may not reflect your true intentions—and could even cause friction among family members.

Writing a will lets you decide who gets what, and how. It also allows you to appoint guardians for your children or ensure your elderly parents are taken care of. That’s not just smart planning—that’s responsible love.

Delaying Can Be Costly—In More Ways Than One

In my line of work, I’ve met too many families caught in legal limbo because someone assumed they still had time to plan. Unfortunately, in Singapore, once someone loses mental capacity (say, due to a stroke or dementia), it’s already too late to write a will or a Lasting Power of Attorney (LPA). Everything becomes harder, more expensive, and more stressful for everyone involved.

It’s not about expecting the worst. It’s about being prepared so that the people you care about won’t suffer more than they have to.

Take That First Step

I’m sharing this because I know how easy it is to put things off. “Later” feels safer than “now.” But if there’s one thing life keeps reminding me, it’s that we rarely get to choose when “later” comes.

Writing your will isn’t morbid. It’s meaningful. It’s a gift of clarity and comfort for your loved ones when they need it most.

So if you're in your 30s, 40s, 50s—or even 60s—don’t wait until it’s urgent. Make your wishes known. Do it while you’re well. Do it while you can. It’s not just about planning for the end. It’s about protecting everything you’ve built and the people you love.

And honestly? It feels good to know it’s done.