08/12/2026
Episode 90 – Wills, Women & Wealth Podcast
The Three Assumptions Keeping Women From Estate Planning
In this empowering episode, “The Three Assumptions Keeping Women From Estate Planning,” Attorney Elsa W. Smith challenges three common beliefs that can keep women from taking action on their estate plans. After nearly three decades of practicing law, Elsa has seen how assumptions—not a lack of love for family—can cause women to postpone important decisions.
In this episode, Elsa examines the belief that your spouse's estate plan is enough, explaining why every woman needs an estate plan of her own. She also addresses the question of cost and why focusing only on price can cause you to overlook the value of protecting your family, your health and financial decisions, and your legacy.
Finally, Elsa tackles the assumption “I don't have enough.” She explains what an estate actually is and why your home, bank accounts, personal belongings, and other possessions all deserve thoughtful planning—regardless of how much you own.
In this episode, you'll learn:
Why every woman should have an estate plan of her own
Why your spouse's plan doesn't replace yours
How to think about the cost and value of estate planning
What an “estate” really means
Why you don't have to be wealthy to need an estate plan
How planning protects your voice, your loved ones, and what you've built
Most importantly, this episode reminds us that estate planning isn't about age, marital status, or net worth. It's about making intentional decisions while you still can, protecting the people who matter most, and creating a legacy built on clarity rather than confusion.
If you've been telling yourself that you don't need your own plan, that estate planning costs too much, or that you simply don't have enough, this episode invites you to reconsider those assumptions—and take ownership of your future.
Portions of this episode were originally recorded as educational videos and have been adapted for this podcast episode.
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DISCLAIMER
Information in this podcast is for educational purposes only and does not constitute legal advice or create an attorney-client relationship. Please do your own due diligence before hiring an attorney.
SPONSOR
This podcast is sponsored by Law Offices of Elsa W. Smith, LLC—a wills, estate planning, and probate firm serving Maryland and the District of Columbia.
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