<i>If you&#x27;re in a position to be responsible for others, shouldn&#x27;t you already have a safety net&#x2F;final arrangements? </i><p>Yes, you <i>should</i>, but many younger people don&#x27;t.  In your 20&#x27;s, 30&#x27;s, even 40&#x27;s, you feel like death is pretty far off and you can get around to that &quot;boring&quot; stuff later.  You may have some basic life insurance, but maybe you haven&#x27;t really thought about other details.  There are also things you might want to handle that aren&#x27;t necessarily paperwork, such as catching up with family members.<p>Additionally, if you ARE someone who has that stuff in order (FWIW, I mostly do), you might decide to spend more time volunteering or doing other things.  For my own case, I have my retirement pretty much covered.  I mostly just work to fund day to day life and continue to contribute to retirement funds.  If it turns out I&#x27;ve only got 2 or 3 years (or less!) left to live, I would definitely stop working entirely and spend my time doing other things.