Recently, I had the pleasure of attending Gering High School’s production of The Little Mermaid, in which my niece performed as a member of the ensemble. As I watched the story unfold, however, it got me thinking about the realities facing the graduating class of 2025.
For those unfamiliar with the plot, “The Little Mermaid” tells the tale of a 16-year-old mermaid who falls in love with a human prince. In her desperation to join him on land, she trades her soul to a sea witch in exchange for legs. To finalize the deal, she signs a contract. Of course, it’s all part of a magical fairy tale. But every time I see this scene; I can't help but think she’s a minor. And in the real world, minors can’t enter into legally binding contracts on their own. This time, that detail hit a little closer to home.
Here in Nebraska, many graduating seniors will soon reach the age of majority,19 years old. That means they’ll no longer be under the legal protection of their parents. They’ll be considered adults, whether they’re ready or not. And while I sincerely hope no one from the Class of 2025 is making deals with sea witches, they are entering a world where being prepared for the unexpected is more than just wise, it’s necessary.
So, how can we help protect our graduating seniors as they wade into adulthood? I’d like to challenge you to consider giving them the ultimate graduation gift: an estate plan.
Now, I know what you’re thinking. An estate plan? Really? Hear me out, this is a gift of peace of mind, both for your graduate and for your family.
A traditional estate plan includes four key documents: a healthcare power of attorney, a healthcare directive, a financial power of attorney, and a will.
The healthcare power of attorney is perhaps the most critical. This document names someone to make medical decisions on behalf of your graduate if they are ever unable to do so themselves. Without it, even parents may find themselves locked out of medical decisions due to privacy laws.
Next is the healthcare directive, sometimes called a living will, which outlines a person’s preferences for medical care in serious situations. It’s a compassionate way for young adults to have a say in their treatment, even when they can’t speak for themselves.
The financial power of attorney allows someone to manage financial affairs—paying bills, accessing accounts, or handling leases—if the graduate is incapacitated.
And finally, a will ensures that if they pass away any assets are distributed according to their wishes, not just default state law.
While it may seem early to talk about wills and powers of attorney with someone barely out of high school, life can be unpredictable. The goal isn’t to be grim—it’s to be prepared. Estate planning is often thought of as something reserved for older adults, but the truth is, every adult needs one.
As we celebrate the accomplishments of the Class of 2025, let’s also equip them for the road ahead. An estate plan isn’t just paperwork - it’s a thoughtful gesture of love, security, and responsibility. Because protecting our kids doesn’t stop when they graduate. In many ways, that’s when it really begins.
