How to Write a Will [2025 Edition]

Writing a will might not be the most exciting thing on your to-do list, but it’s one of the most important. Without one, the government—not you—decides what happens to your assets, your children, and your final wishes. The good news? Creating a legally binding will is easier than you might think.

Whether you’re planning for the future or just want peace of mind, this guide will walk you through how to write a will step by step—no legal jargon, just practical advice.

Why You Need a Will

A will is more than just a legal document—it’s a roadmap for your loved ones after you pass away. Here’s why it’s essential:

• Avoid Intestacy Laws: If you die without a will, state laws determine how your assets are distributed, which may not align with your wishes.
• Protect Your Family: A will ensures your loved ones receive what you intend and prevents unnecessary legal disputes.
• Appoint a Guardian for Minor Children: If you have kids, a will lets you choose who will care for them if something happens to you.
• Control Your Legacy: Whether it’s leaving money to charity, passing down family heirlooms, or ensuring a beloved pet is cared for, a will gives you the final say.

What to Include in Your Will

A well-structured will should clearly outline the following:

1. Beneficiaries – Who will inherit your assets (money, property, possessions)?
2. Executor – The person responsible for carrying out your will’s instructions.
3. Guardianship – If you have minor children, name a guardian to care for them.
4. Debt & Expenses – Instructions for handling debts, taxes, and funeral expenses.
5. Special Instructions – Digital assets, charitable donations, or personal requests.

How to Write a Will (Step-by-Step Guide)

Step 1: List Your Assets and Debts

Make a comprehensive list of everything you own, including real estate, savings, investments, vehicles, valuable possessions, and digital assets. Also, note any outstanding debts.

Step 2: Decide on Beneficiaries

Choose who will inherit each part of your estate. You can name multiple beneficiaries and specify what each one will receive.

Step 3: Choose an Executor

This person ensures your wishes are carried out. Pick someone responsible and trustworthy, such as a family member, friend, or attorney.

Step 4: Pick a Guardian (If Applicable)

If you have children under 18, name someone you trust to care for them. Consider discussing this choice with the person beforehand.

Step 5: Write Your Will

You have three main options:

• DIY Will – Handwrite or type your will using a template.
• Online Will Services – Affordable and convenient (e.g., LegalZoom, Trust & Will, Ethos, GoodTrust).
• Attorney Drafted Will – Best for complex estates or legal guidance.

Step 6: Sign and Witness Your Will

For a will to be legally valid, you must:

• Sign it in front of at least two witnesses (requirements vary by state).
• Ensure witnesses are not beneficiaries to avoid conflicts of interest.

Step 7: Store Your Will Safely

Keep your will in a secure place (e.g., a safe, with an attorney, or in a digital estate planning service). Inform a trusted person where it is stored.

Legal Requirements for a Valid Will

Each state has specific rules, but in general:

• You must be at least 18 years old.
• The will must be written and signed.
• Two adult witnesses must be present when you sign it.
• In some cases, wills need to be notarized (check local regulations).

Updating or Changing Your Will: When and How

Life changes, and so should your will. Update your will if:

• You get married or divorced.
• You have children or grandchildren.
• Your financial situation changes.
• A beneficiary or executor passes away.

To make changes, you can:

• Add a codicil (an official amendment).
• Write a new will and revoke the old one.

Common Mistakes to Avoid When Writing a Will

• Not signing your will properly – Follow your state’s legal requirements.
• Failing to name a backup executor – Have a secondary choice in case your primary executor can’t serve.
• Forgetting digital assets – Include social media accounts, cryptocurrency, and online banking instructions.
• Not keeping your will updated – Life changes should be reflected in your will.

Summary

Writing a will doesn’t have to be complicated. By taking the time to create one now, you ensure your loved ones are taken care of and your wishes are honored. Whether you choose to draft a will yourself, use an online service, or hire an attorney, the key is getting it done. A will is one of the most important documents you’ll ever create—don’t put it off.

Need more guidance? Consider consulting an estate planning professional or an attorney to ensure your will meets all legal requirements.

Trust us, by completing this process, your future self—and your loved ones—will thank you.

FAQs

1. Can I write a will without a lawyer?

Yes, you can absolutely write a will without a lawyer. Many people successfully create legally valid wills using online services (like LegalZoom) or templates, as long as they follow their state's requirements for signing and witnessing. Writing your own will can be a cost-effective and straightforward way to ensure your wishes are documented. However, if you have a complex estate or specific legal concerns, consulting an attorney can provide added peace of mind.

2. Do handwritten wills count as legally binding?

In some states, handwritten (holographic) wills are legally valid but may be harder to enforce in court.

3. How much does it cost to make a will?

The cost of making a will depends on what route you decide to take. Here’s what you can expect to pay:

• DIY templates: $0 - $50+
• Online will services: $50 - $300+
• Lawyer-drafted wills: $300 - $1,000+

4. What is a good age to write a will?

There is no specific age that is considered 'perfect' for writing a will, but it’s a good idea to create one as soon as you become a legal adult and have assets, dependents, or specific wishes for your estate. Many people wait until major life events—such as marriage, having children, or buying a home—but the earlier you plan, the better prepared you’ll be for the unexpected.

5. Do wills need to be notarized?

In most states, wills do not need to be notarized to be legally valid. However, adding a self-proving affidavit (which does require notarization) can make the probate process easier by proving the will's authenticity without needing witness testimony.

6. Is an online will legally valid?

Yes, as long as it meets your state’s legal requirements (proper signatures, witnesses, etc.).