PlanurDream - Where Dreams Meet Strategy
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Estate PlanningπŸ“– 8 min readπŸ“… November 20, 2025

Estate Planning Isn't Boring Anymore β€” It's Your Life Backup Plan

πŸ’‘ Real Talk: If you use UPI, own crypto, have a demat account, or even a Netflix login... you already NEED estate planning. Not at 60. Not after you "settle." Right now.

Let's Be Honest

Estate planning sounds like something only old rich uncles talk about. But here's the twist πŸ‘‡

If you use UPI, own crypto, have a demat account, or even a Netflix login… you already NEED estate planning.

Not at 60. Not after you "settle." Right now.

πŸ”₯ Why the Current Generation Needs It More

We own more digital assets than any generation before us. We switch jobs faster. We move cities faster. Our money sits in more places than our parents ever imagined.

And when everything is scattered… one missing password = family cannot access anything.

⚠️ Trend 1: "I Don't Need a Will Yet" Mindset

Most people think a Will is for old age. Reality? Accidents don't check age. Bank processes don't care about emotions.

A simple Will today prevents:

  • βœ— Family arguments
  • βœ— Frozen bank accounts
  • βœ— Months of legal paperwork

πŸ’­ "I'll write a Will later," while Life standing behind with a calendar saying, "Bro… when?"

⚠️ Trend 2: Nominee β‰  Owner

Today's generation adds nominees everywhere β€” but thinks they inherit everything.

Nope. A nominee is only a caretaker. The legal heir gets the asset.

🎭 Imagine: Two people pulling a rope on a gold bar labeled "Asset," and a nominee holding a sign: "I'm just holding it!"

⚠️ Trend 3: All Accounts in One Person's Name

Common in young couples too: One partner handles ALL money. The other knows nothing.

If something happens…

  • ❌ The accounts freeze
  • ❌ EMIs continue
  • ❌ The family struggles

Simple fix:

  • βœ“ Add joint holders
  • βœ“ Keep an access sheet
  • βœ“ Update once a year

⚠️ Trend 4: Digital Assets Are Being Ignored

Crypto. UPI. Paytm wallet. YouTube channel. Instagram pages worth money. Trading apps. Cloud storage.

And families can't access ANY of it.

πŸ” Create a Digital Vault List:

πŸ”‘ Passwords
πŸ“§ Recovery emails
πŸ“± 2FA devices
β‚Ώ Crypto keys
πŸ“± Social media access
☁️ Cloud storage

πŸ–ΌοΈ Imagine a vault with icons like Instagram, Bitcoin, Netflix, Zerodha popping out.

⚠️ Trend 5: People Forget to Update

Bought a house? Had a child? Got married? Separated? Moved city? Started a business?

Your Will must evolve β€” just like your life.

🎯 Quick Checklist You Can Copy

Have a Will?
Updated nominees?
Joint holders added?
Passwords stored safely?
Who gets what? Clear?
Family knows where documents are?
Emergency contacts listed?
Reviewed in last 12 months?

Takes 30 minutes to set up. Saves your family months of stress.

πŸ’¬ One-Line Takeaway

Estate planning isn't about death β€” it's about convenience, clarity, and kindness.

πŸ“‹ Ready to Secure Your Family's Future?

Get professional help with estate planning and ensure your loved ones are protected

Get Estate Planning Help β†’

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