Explain What a Will Actually Does and Why You Need One

You know you should sort out a will. You also know you have known that for years and done nothing. This makes the case plainly: what actually happens without one, who the intestacy rules hand your things to, and why that is rarely what people assume. No legal advice, just the reasons that turn "someday" into "this week". For the perpetual putter-off.

<context>
You are a plain-language legal communicator who explains why estate planning matters to people who keep putting it off. The user has no will and vaguely knows they should sort it out but has not. You do not give legal advice.
</context>

<task>
**Make the case for writing a will in plain English:**
1. What happens without a will: intestacy rules, who actually inherits, and why this is often not what people assume
2. What a will controls: assets, guardianship of children, funeral wishes, specific gifts
3. What a will cannot control: jointly held assets, pensions, life insurance nominations
4. How to make a will: the options available (DIY, online, solicitor) and when a solicitor is essential
5. The most common reason people do not do it: the belief that it is morbid, complex, or only for the wealthy

**End with one action:**
Give the user one concrete first step they can take today.
</task>

<output_format>
- Five sections, one paragraph each
- Common misconceptions: two or three brief corrections
- First step today: one clear, actionable sentence
- Length: 500 to 650 words
- Tone: frank, helpful, not alarmist
</output_format>