Estate planning is one of those things that everyone knows they need to do, but most people still tend to put it off.

Why? There are many reasons. Most people don’t feel like they need it. They assume they’re planning for when they pass away at 80 or 90 years old. If they’re 55 years old, that seems impossibly far away. Other people just don’t like to bring up the subject of their own passing, and they’ll avoid it even if it means leaving estate planning undone.

However, the biggest reason to do it immediately is that the future is always uncertain and unpredictable.

One financial planner told a story of getting a text message about a woman he was working with. He had recently met with her to discuss future goals. She had not yet done everything she needed to do, but he wasn’t too pushy and just let her wait until the next meeting.

That meeting never came, as the shocking text message informed him that the woman had unexpectedly passed away. That really got him thinking about leaving important business unfinished and the risk that poses to one’s estate and one’s family.

It’s not a popular subject to bring up, but it’s very real. Even those in perfect health run the risk of being fatally injured in a car accident on the way to the grocery store. Unexpected accidents happen every day.

That’s why it’s important not to put off estate planning. You need to know what legal options you have. If it means you do your planning 30 years too early, that’s far better than not getting it done in time. You can always update your estate plan as needed.

Source: Time, “Why You Need to Do Your Estate Planning Now. I Mean Right Now. Immediately.,” Frank Pare, accessed Jan. 25, 2018