Often, the reason that people put off estate planning is simply that they do not feel like they need to do it yet. There's no sense of urgency. They don't want to think about dying, they assume they have years or decades anyway, and so they don't make a will or set up an estate plan. They know they'll need to eventually, but they think of it as something they'll do another day.
This is a huge gamble. The security you feel may not be real. You're taking a risk and putting your family's financial future in jeopardy.
When it feels real is often when tragedy strikes nearby. For instance, one man said that his daughter's close friend passed away unexpectedly. Everyone was shocked. It was nothing they could have predicted and it's simply not the type of thing most people believe will happen to them.
However, that event really drove home the need for everyone to consider estate planning. You cannot always predict what direction life will take or how long you actually have. People die every day in car accidents. Sudden diseases take lives in a matter of days. Tragic accidents at work leave families without a main breadwinner. There are countless examples of the ways that people, unfortunately, passed away "before their time."
This isn't meant to scare you or make you worry constantly, but just to underscore the unpredictability that we all live with every day. That's why estate planning is so important. That's why you need to know what steps you can take to prepare, no matter when you think your family will need that plan.