Should I write a simple will?

When It Makes Sense

• Good fit: You have a modest estate—such as a modest bank account, a vehicle, and personal belongings—and want a low‑cost way to name a beneficiary and an executor.
• Good fit: Your family structure is simple (e.g., you are single or married with no step‑children) and you have no special trusts, business interests, or tax‑planning needs.

When You Should Avoid It

• Warning sign: You own real estate in multiple states, have a sizable investment portfolio, or operate a business, which can create jurisdictional and tax complications.
• Warning sign: Your family includes blended or estranged members, or you wish to set conditions on inheritance, making a simple will potentially inadequate.

Pros and Cons

Pros

• Cost‑effective: DIY kits or online templates are inexpensive compared to attorney fees.
• Speed: You can draft and sign a simple will in a matter of hours, giving you immediate control over your wishes.

Cons

• Risk of errors: Small mistakes in language or signing requirements can render the will invalid.
• Limited flexibility: Complex distributions, tax strategies, or protective provisions are hard to include correctly without legal expertise.

Decision Checklist

• Do I have only basic assets and a straightforward family situation?
• Am I comfortable researching state‑specific signing and witnessing rules?
• Have I considered whether future changes (e.g., marriage, children) might require a more robust estate plan?

Alternatives to Consider

If your circumstances are more complex, you might explore a living trust, a joint‑ownership arrangement, or a professionally prepared will. Many attorneys offer a flat‑fee “simple will” service that balances cost and legal certainty. Online legal services can also provide a reviewed template for a modest fee.

Final Recommendation

For most people with modest, uncomplicated estates, writing a simple will yourself can be a practical first step—provided you follow your state’s formalities carefully. However, if you have significant assets, multiple states involved, or unique family dynamics, it’s wise to consult an estate‑planning attorney to avoid costly errors and ensure your wishes are fully protected.