Why haven't I updated who gets my money when I die?

You know the names on those forms are wrong. An ex-spouse who is no longer your spouse. A parent who has died. A sibling you no longer speak to. The paper does not know any of this has changed — it only knows what you told it years ago, and it will act on that old instruction unless you correct it. Ask who is served by leaving it as it stands. Not the estranged sibling, who reason does not entitle to what you no longer intend for them. Not the ex-spouse, who has no rightful claim once the marriage has ended. Not you, who carries a small worry each time you remember it is undone. Delay serves no one. It only postpones a decision you have, in your heart, already made. This is not really about paperwork. It is about whether your intentions and your documents agree. Reason asks for that agreement, plainly and without excuse.