Planning a wedding is beautiful—but planning a future together is even better. While picking flowers and first dance songs is fun, securing your legacy as a couple is the real act of forever. That’s where estate planning comes in.
For engaged and newlywed couples—especially Black couples—estate planning isn’t just about wealth. It’s about care, clarity, and protecting each other when life gets real. Here’s what you need to know.
Why Estate Planning Can’t Wait
Let’s bust a myth: estate planning isn’t just for the rich or the elderly. According to attorney Veronica McClendon, who broke it all down on a recent Hue I Do episode, waiting until you’re older or more “established” is a mistake.
“We think we have time,” she said. “But the truth is, life happens. And the best gift you can give your partner is a plan that protects them.”
Whether you’re living together, sharing bills, or planning to start a family, having the right documents in place makes sure your wishes are respected and your partner isn’t left powerless in an emergency.
What Every Couple Needs
Even if you don’t own a home or have kids yet, these are the three essentials you should prioritize:
1. Will
A will outlines who inherits your property and assets when you pass. It can also name guardians for any children and spell out funeral preferences. Without one, the state decides—and that may not align with your values.
2. Power of Attorney
This legal document allows someone to make financial or medical decisions for you if you’re unable to. Even if you assume your spouse will automatically have this power, many states require it to be clearly written and notarized.
3. Advance Directive (or Living Will)
This outlines your preferences for medical care if you’re seriously ill or incapacitated. It lifts the emotional burden off your partner and removes any guesswork during hard times.
Why It’s Especially Important for Black Couples
Far too often, Black families experience added emotional and financial stress because a loved one didn’t have a plan. GoFundMe pages become funeral funds. Property gets stuck in court. Generational wealth gets lost.
As Veronica put it: “We don’t just need to plan—we need to prepare our people.”
Estate planning allows you to pass down more than money. It’s about passing down peace of mind and clear direction. If you’re working hard to build something, protect it.
Make It a Wedding Checklist Item
If you’re engaged, add estate planning to your pre-wedding checklist—right alongside the dress, the DJ, and premarital counseling. If you’re newly married, aim to knock it out during your first year.
Yes, it can cost a few hundred dollars. But not having a plan can cost your spouse everything—time, money, and emotional peace.
Love That Lasts Beyond “I Do”
Estate planning isn’t a sign you’re expecting the worst. It’s a sign you’re committed to protecting the best of what you’ve built—each other.
So light a candle, pour a glass, and have the conversation. Then call a licensed estate attorney and put the plan in place. Because your love deserves protection, not just celebration.
