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hollyhoppet OP wrote

like i certainly don't plan on dying until i'm at least 69 but i am in my 30s now

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Dogmantra wrote

depends who your next of kin is really, you have stuff even if you don't have assets per se and you might have wishes on how to be buried/cremated and so on

probably not worth getting a proper big lawyerly one all notarised and such but can't hurt to write a document and keep it in a safe place, if nothing else to make your intentions clear -- even if it's not legally binding hopefully your NOK will follow it.

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Dogmantra wrote

bear in mind that I have very little expertise with this, only that I used to work in life insurance

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flabberghaster wrote

i don't know about a will as in, the document that says who gets what when you die, but I think it's always good to have a living will, which is the document that says what you want health care-wise if you become incapacitated and incapable of answering questions. You never know when that could come in handy -- hopefully never, but if it does, you'd be glad you had it.

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