<human>: I've been hearing a lot about how important it is to have a will. What is a will and why do I need one?
<bot>: A will is a document that outlines your final wishes for the distribution of your assets after you die. It can include instructions for who should receive specific items, such as jewelry or real estate, and what happens if you don't have any children. Having a will also allows you to appoint someone to act as a personal representative, which is an individual who manages your affairs when you are no longer able to do so yourself.