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will vs trust

Imagine You Have a Big Box of Toys (Your Stuff)

When you go to heaven, you want your toys to go to the right people without strangers touching them.

Option 1: A Will (like a note to the teacher)

You write a letter that says:
“Dear Judge,
Please give my red bike to Sarah and my teddy bear to Max.
Love, Me

But here’s the problem:
The judge has to open your letter in a big public classroom (probate court), invite strangers to look at your toys, and charge money (4–7% of everything) to hand them out.
It takes 9–18 months, and everyone knows what you had.

Option 2: A Trust (like a magic toy chest)

You put your toys in a special chest while you’re still playing with them.
You keep the key.
You write on the chest:
“When I’m done playing, give the red bike to Sarah and teddy to Max — no strangers allowed.”

When you’re gone, the chest opens by itself — instantly, privately, and with zero fees.
Your family gets everything right away.

Will or trust which is better

Super Simple Comparison (2025 numbers)

QuestionWillRevocable Living Trust
Do strangers see my stuff?Yes (public court)No (private)
How long does it take?9–18 monthsDays
How much does it cost?4–7% of everything$0 (just the trust cost upfront)
Can I change my mind?YesYes (you control it your whole life)
Does it work if I’m sick?NoYes (someone you pick takes over)

Bottom Line (Like You’re 5)

A will is a letter that makes your family wait in line at school.
A trust is a magic chest that gives your toys straight to the right kids — fast, quiet, and free.

Most grown-ups with a house choose the magic chest (revocable living trust).
It costs a little more up front, but saves your family thousands and a lot of headaches later.

Want to see which one is right for your toys (assets)?

We’ll show you in one free 15-minute call below or take our estate planning quiz to see where you stand here.