Do you have a will and, if not, why not?

Geez, I’m starting to feel like the grim reaper. Recently two friends of mine suddenly kicked off. Both were in their 50’s. Neither one had a will and the assets were divided up according to the state’s rules: Spouse, then parents, then siblings, etc. One guy lived with his SO for 25 years and his mother got his 401k because NY does not recognize a live in as a spouse.

I started to do mine and have been thinking about where I’d like a percentage of the money to go when I die. The list is on a sticky note in one of the kitchen cupboards. As I go through my day I see some deserving folks or businesses who have been working hard for decades but just can’t catch a break. What would happen if they suddenly got cash? Would it pay off their bills? Would it make a difference in their lives? If yes, then I write on the sticky note.
It is fun to consider and it is a secret know to just me. I wouldn’t want to become a target. ;-)

So do you have a will yet? Why not? Whom would you give some cash to as a demise surprise?