Three out of four Americans don’t have a will — and statistically, someone you love is unprotected right now. But bringing up estate planning doesn’t have to be morbid, preachy, or uncomfortable. Here’s how to have that conversation naturally, why it matters more than most people realize, and why referring a friend to an estate planning attorney might be one of the most loving things you ever do for them.

The One Big Beautiful Bill made headlines for raising the estate tax exemption — but buried in the footnotes is a provision that tax lawyers are calling a double taxation problem for family trusts. It’s not just a concern for the ultra-wealthy. Special needs trusts, spousal trusts, and life insurance trusts may all be affected. Here’s what you need to know right now — and what to do before the end of the year.

When a loved one dies, debt collectors may call within days — implying that family members are responsible for balances they may have no legal obligation to pay. Debt doesn’t transfer to heirs the way assets do, but the exceptions matter enormously. Learn what really happens to debt after death, which situations create genuine personal liability, and how the right plan ensures your family knows exactly who to call when those calls come in.