When you’re under 30, thinking about documents like Wills and Lasting Powers of Attorney (LPAs) probably isn’t top of your to-do list. Life feels busy, fast-moving, and full of opportunity. But an LPA isn’t about expecting the worst — it’s about protecting your independence and giving yourself control, whatever life throws at you.
What Is a Lasting Power of Attorney?
A Lasting Power of Attorney is a legal document that allows you to appoint people you trust (called attorneys) to make decisions on your behalf if you’re ever unable to do so yourself.
There are two types of LPA, and they cover very different areas of your life.
Property and Financial Affairs LPA
This LPA allows your chosen attorneys to manage your money and financial matters if you lose mental capacity — whether temporarily or permanently.
What it covers:
- Paying bills and rent or mortgage
- Managing bank accounts and savings
- Dealing with student loans or credit cards
- Handling benefits or income
- Buying or selling property if needed
Why it matters under 30:
Even if you don’t own property yet, you still have financial responsibilities. An accident, illness, or mental health crisis could leave you unable to access or manage your finances. Without a Property and Financial Affairs LPA, no one can legally step in to help, not even parents or partners.
Health and Welfare LPA
This LPA covers decisions about your personal wellbeing and care.
What it covers:
- Medical treatment and care decisions
- Mental health treatment
- Where you live or receive care
- Life-sustaining treatment decisions
- Day-to-day wellbeing and personal care
Why it matters under 30:
Unexpected illness or injury can happen at any age. A Health and Welfare LPA ensures that your voice is heard, even when you can’t speak for yourself — and that decisions are made by people who know you and respect your wishes.
Why You Should Have LPAs Set Up and Registered
Creating an LPA isn’t enough — it must also be registered with the Office of the Public Guardian before it can be used.
Key reasons to set them up early and register them:
- You stay in control
You choose who makes decisions, not the courts. - Avoids delays and stress
Without an LPA, loved ones may need to apply to the Court of Protection — a process that is costly, slow, and stressful. - Covers temporary situations
LPAs aren’t just for permanent incapacity. They’re invaluable if you’re temporarily unable to manage things due to injury, illness, or mental health challenges. - Protects relationships
Clear legal authority reduces confusion, disagreements, and pressure on family members. - Peace of mind
Knowing everything is in place lets you focus on living your life, not worrying about “what ifs”.
Final Thoughts
Being under 30 doesn’t mean you’re immune to the unexpected. LPAs are about planning smart, not planning pessimistically. They’re a simple but powerful way to protect yourself, your finances, and your wellbeing — now and in the future.
At ABC Wills, we make the process straightforward, affordable, and fully supported, so you can get protected without hassle.
If you’d like to learn more or set up your LPAs, speak to our team today.
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