I’m unmarried and childless, so I didn’t see the point in having a will until last year, when my mom planted the idea. Even now—like many of my peers—I am procrastinating. According to a recent survey from Caring.com, 78% of millennials don’t have a will. “People don’t want to talk about death,” says Byrke Sestok, a certified financial planner with Rightirement Wealth Partners in White Plains, N.Y. But if you die without a will, he says, the consequences for your loved ones can be disastrous.

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