Why Every Woman Should Have a Will (and When to Start Writing One)

At 30, writing a will wasn’t exactly on my bucket list. Between career goals, weekend brunches, and trying to squeeze in a workout, “estate planning” didn’t feel urgent. However, a will isn’t just for retirees or the ultra-wealthy—it’s for anyone who wants control, protection, and peace of mind.

As women, we balance multiple roles: daughters, partners, mothers, business owners, caregivers, and community leaders. Having a will ensures the people and things we care about most are looked after.

So, why should women have a will—and when should we start preparing one? Let’s break it down.

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Why It’s Important for Women to Have a Will

1. You Decide What Happens to Your Assets

A will puts you in charge. From your home to your savings account to sentimental belongings, you get to decide who inherits what. Without a will, state laws decide for you—and that might not reflect your wishes.

2. You Protect Your Children (and Pets!)

If you’re a mom, naming a guardian in your will is one of the most important decisions you’ll ever make. And even if you don’t have kids, your fur babies count too. Ultimately, a will ensures they’re cared for by the people you trust.

3. You Safeguard Your Digital Life

Our generation’s lives are online—social media, digital photos, email accounts, even cryptocurrency. Because of this, a will lets you outline how your digital assets are handled.

4. You Ease the Burden on Loved Ones

Losing someone is hard enough. With that in mind, a will prevents family conflicts and confusion by clearly laying out your wishes, saving your loved ones stress and heartache.

5. You Build Peace of Mind

There’s something empowering about knowing you’ve taken care of the “what ifs.” In the end, it’s not about expecting the worst—it’s about creating security for the people you love.

When Should Women Start Writing a Will?

The best time to prepare a will is sooner than you think. Here are clear signs it’s time:

1. You own property or real estate.
   For example, buying a home or land is one of the first signals that you need a will.
2. You have children (or plan to).
   In this case, naming a guardian is essential for their protection.
3. You have savings, investments, or retirement accounts.
   Even if your assets are modest, a will ensures they go to the right people.
4. You’ve started a business or side hustle.
   Because of this, a will protects what you’ve built and ensures continuity.
5. You own valuable or sentimental belongings.
   From heirloom jewelry to your favorite guitar, a will makes sure they go to someone who will truly appreciate them.
6. You want to leave a legacy.
   Whether that means giving back to a charity, supporting a cause, or simply leaving something meaningful behind, a will makes it possible.

 If any of these apply to you, now is the time to start your will.

How to Get Started

• Make a list of assets. Include property, finances, digital accounts, and personal items.
• Decide on beneficiaries. Who do you want to inherit what?
• Choose guardians. For children or pets, pick someone you trust.
• Consider charities. Do you want part of your legacy to support a cause?
• Work with a professional (or use a reliable online tool). An estate planning attorney can help customize your will, but affordable online options exist too.

Writing a will doesn’t mean you’re being morbid—it means you’re being prepared. As women, we juggle many responsibilities, and making a will helps ensure our hard work, values, and loved ones are protected.

Think of it as a life checklist item, right alongside building your career, saving for retirement, or planning for your future family. The peace of mind you gain is worth it—and your loved ones will thank you.

And if you want a little help getting started, feel free to download the Legacy Planning Guidebook—it’s a great step-by-step companion for your planning process.

The Community Foundation of Frederick County connects generous donors with local causes, turning philanthropic goals into meaningful action through grants, scholarships, and community partnerships. With a strategic, thoughtful approach, the foundation transforms generosity into lasting impact and serves as a catalyst for hope, progress, and positive change throughout Frederick County.