In a generation that doesn’t want to face the end of their lives, having a will is the last thing on a millennial’s mind. Millennials work so hard for today that it’s understandable to want to avoid the most dismal part of life: death.

Creating a will can dig up unpleasant emotions. So much so, that many avoid the process until they absolutely have to. Sometimes, they wait until it’s too late. Although it’s easy to make excuses, creating a will is important. Millennials need to write a will now more than ever.

1.      Millennials have more assets than they think

One major excuse is that Millennials believe they don’t have significant assets to put in a will. This is untrue. If you have electronics, a car, a bank account or retirement accounts, you have assets. Many believe that you need to have a house, a spouse and children to consider an estate plan. In reality, the life you are currently living and the assets you have are enough to create a will.

2.      Millennials are less likely to get married

Millennials are known for waiting or choosing not to get married. This can cause many problems for couples who cohabitate. If you pass away without a will, the person you cohabitated with will get nothing. Your shared financial obligations will then fall solely on your partner. They will not receive any help as your assets will go to your relatives.

3.      Digital assets create an issue

Wills are useful for more than tangible assets. Because we live in a digital age, many assets are kept online. This could include anything from websites to ownership of creative property to online stock-trading.

In years before digital, financial records and important assets were all kept in safe, but accessible, places. Now that we’re moving towards a paperless world, digital assets are becoming more relevant. Everything is password protected. Some even require a fingerprint or a scan of your face. According to the Computer Fraud and Abuse Act, if you pass before creating a plan for these assets, your loved ones cannot access them without your authorization.

Although facing the fact that you could pass away at anytime is a tough thing to confront, creating a will now will only make it easier in the long run. You can always adjust your will as you grow and add to your life. It’s an important step you must make as an adult. It will allow your wishes to be heard and granted.