‘Too Young’ May Be Too Late The Dangers of Delayed Estate Plans
As John Lennon once sang, “Life is what happens to you while you’re busy making other plans.” As organized and conscientious as we try to be in our daily lives, some things will always be beyond our control — including time. Unfortunately, our efforts to beat the clock often cause us to overlook details that could help protect ourselves and our families. Estate planning is a critical part of life that frequently gets tossed in the “I’ll think about it tomorrow” pile. However, your busy schedule is precisely why you must focus on your legacy today — regardless of your age and health. Age, Ailments, and Assets If you consider yourself too young to think about creating an estate plan, it may interest you that the National Institutes of Health defines “early middle age” as ages 34–44. Additionally, a 2024 report by the Centers for Disease Control and Prevention noted that, on average, U.S. women become mothers by age 27. While the “early middle age” group is commonly viewed as being in peak health, research by the American College of Cardiology suggests that instances of heart attacks among people under 40 are on the rise. Estate planning should no longer be viewed as something to address as you near retirement age — it should be considered an essential task to complete as soon as you become a parent, own property,
or acquire other assets that would typically transfer to beneficiaries upon your passing. The Speed of Security If it has been some time since you’ve reviewed and updated your estate plan — or if you’ve yet to start one — consider doing so as soon as possible. We have known clients who went a
decade or more without updating their legacy plans or neglected to review them despite sudden health concerns — and experienced the frustrating consequences of their
inaction. Please contact us today before the unexpected happens.
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INGREDIENTS
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1 (8-oz) block cream cheese, softened 1/3 cup granulated sugar
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1 cup whole milk 1 prepared graham cracker crust 3 bananas, sliced 20 Nilla Wafers
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1 cup heavy cream 1 tsp vanilla extract
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1 (3.4-oz) package instant vanilla pudding mix
Whipped topping and crushed Nilla Wafers, for garnish
DIRECTIONS 1. In a large bowl of a standing mixer, add softened cream cheese and beat until fluffy and free of clumps. 2. Add sugar and beat until combined, then add heavy cream and vanilla extract and beat until medium-stiff peaks form. Set aside. 3. In a medium bowl, whisk together milk and pudding mix and refrigerate for 3 minutes until thickened. Pour pudding mixture into cream cheese mixture and fold until combined. 4. Into the graham cracker crust, pour half the filling and spread evenly. Add a single layer of sliced bananas and Nilla Wafers, then pour remaining filling over and smooth the top. 5. Refrigerate until firm, at least 6 hours, or overnight. Top slices with whipped cream, crushed Nilla Wafers, and any additional banana slices as desired.
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