Or is it morbid for someone my age to do such a thing?
It occurred to me today that crazy stuff (i.e. car accidents, natural disasters, pit bull maulings, drive-by shootings, murder, brain-eating amoebas, kidnappings, massive heart attacks, strokes, etc) happen all the time to people and one day I could be next.
Do you have a will and how old are you?
I wrote my first Will at 18, when my son was born and there was a reason to have one.
Updated it at 20, when his father left.
Updated again at 26 when I married.
And again at 31 when my daughter was born.
And at 36 when I divorced.
Basically, any big change in the number and association of people in my life, I update my Will. I don’t have any personal wealth or valuable goods, but I do have a few personal effects I’d prefer go to specific people.
Is it morbid? Well, maybe, in that anything related to death is, by definition, morbid. But it’s also just good sense, and makes things much easier on everyone who loves you who’s left behind.
Okay, so you can actually update wills? I was wondering about that. What if I move out of the state that I filed it in? Does that make it no longer valid?
You can revoke a will at any time. Any will I draft has a provision explicitly revoking all prior wills and codicils. In my state, wills are not filed unless and until probated.
Most Wills aren’t filed (“probated”) until after your death, unless you have a lot of Stuff, property or money. I’ve got mine in my home files where my husband knows to look for it, and my mom has a copy in her files, and if I ever “have a lawyer” (which I don’t now; if I need a lawyer for something I hire one for that thing) then s/he will have a copy.
There’s also a thing you can have called a Living Trust, that mostly pertains to money and investments and can help your beneficiaries avoid something called “probate costs” (money out of your estate that goes to the court/state you die in). As I’m bad at this Being a Grownup thing, I have no money or investments, so I haven’t really looked into Living Trusts. I’m sure someone will be by shortly who can educate both of us. 
(On Preview: Oh, hey, look, Oakie’s here! Oakminster, oh grown up type person, what’s a Living Trust and who needs one?)
But what I do know a little more about, and since you’re here and we’re talking about Grown Up Matters I’m going to mention it, are Advance Directives…those aren’t about Stuff or custody of your children, but about what sort of medical care you want if you cannot communicate (called a “Living Will”), and who you want to make medical decisions for you if you cannot communicate or make them yourself (called a “Power of Attorney for Healthcare”) Please please please learn about these and fill them out. Anyone 18 or older should have these, morbid though they may be. As I tell my patients, “I want to do for you what you want to be done for you. But if I don’t know what you want, I can’t make it happen!”
I do not have a will, though I should. I don’t get too worried about it because I am happy for everything I have to past to my husband (though in an ideal world, I’d do something else with some portion of it). If you are happy with what will happen to your possessions given your state’s rules, a will really doesn’t do anything. But if you have specific items you want not to go to your next of kin, or you want something special done with what money you leave behind, then you should make a will.
I wrote my will in a highly modular form, with lots of “If, then” clauses, so it has never needed updating.
Er, yeah, I am a computer programmer.
(The lawyer was, may I say, nonplussed! It took him quite a while to work through my flow-chart!)
I think that you are a very wise person to think about this now. You are young and should expect to live forever, but sometimes bad things happen to good people.
I wrote my first will when I was 17. Not because I had anything of value, but because I had just joined the military and…well…bad things sometimes happen…and I had a cat that I valued and loved and wanted to protect.
I also have Advanced Directives. I’m a biker, its pretty likely that I will get squooshed and I have strong feelings about being on life support. NO!
My husband’s deceased wife didn’t have a will. They had been married for 29 years, but when she died without a will, the state moved in and it took over a year for the probate to be settled.
So, yes, IMHO, write a will and Advanced Directives.
If you join the military you will be required to have a Will. And update it regularly.
I have a will. I’m 55. I leave everything to my sweetie; she knows what/how to do from there. More importantly I’ve completed a packet of papers my PCP gave me that explains how I want to be treated if/when I can’t decide.
Check your state laws to see if a holographic (handwritten) will is acceptable.
I’m curious - what do you mean by the state moved in? Intestacy laws govern what happens when someone dies without a will, but in my experience an intestate is still administered by a close family member, not the government?
getting back to the OP - you do have a will - it’s the intestacy law of your state. whether you should have a customised will is another question. do you have significant assets? do you have a significant other? do you have any family members you don’t want to inherit from you? talking to a lawyer in your area who does wills and estates might help you decide if you need one.
Personally, I didn’t have one until the Piper Cub came along. I was content to rely on the intestacy law until then.