Writing a will can enhance the transmission of wealth throughout generations, by stopping the dissipation of property akin to a household dwelling when divided amongst a number of heirs, in addition to, probably, by focusing the thoughts of donors on their legacy and selling financial savings. Nonetheless, many people do not need a will, a very widespread state of affairs amongst Black and decrease socioeconomic standing people. This paper experiences on a randomized management trial testing whether or not the event of getting a mortgage is likely to be an opportune time to encourage people to jot down a will. The findings are that the mortgage setting is already overwhelming for a lot of people and isn’t a great time for extra bureaucratic burdens. That is significantly true for Black and fewer financially-sophisticated people. Moreover, providing modest financial incentives to jot down a will is suggestively efficient, however largely for these people who’ve no need of a will and are most refined of their desirous about it. Thus, the findings counsel that the setting of when to method people about writing a will is extraordinarily essential and that such overtures are most probably to achieve contexts the place people should not overly preoccupied with extra speedy considerations.