In this June 15, 2018, file photo, cash is fanned out from a wallet in North Andover, Mass. People often assume estate planning starts when you’re rich, have a family or are elderly, but it can begin as early as your late teens. Parents can start the conversation by explaining their own estate plan and why it’s important to have one. This helps younger children understand they’ll be cared for no matter what happens. (AP Photo/Elise Amendola, File)
