You don't have to be wealthy to need a will. Everyone needs one
A Lasting Power of Attorney allows you to appoint somebody to manage your financial lifestyle and personal affairs should you become unable to manage them yourself. It also allows you to put restrictions and conditions on its use to ensure that you feel comfortable and protected. If dying without a will makes life difficult for your loved ones, the same can be said for those who lose mental capacity without having a Lasting Power of Attorney (LPA) in place. Whilst you have the mental capacity you should make a Power of Attorney to avoid unnecessary expense in future and the uncertainty and anxiety your family and business partners would face if you become incapable of making decisions. Making an LPA also means you get to choose who you would like to act on your behalf.