Estate planning is a critical step in securing financial stability for loved ones. Yet, nearly half of Americans don’t have any estate planning documents, such as a will or living trust. A new CreditCards.com survey of 1,500 American adults reveals why many people are putting it off and how factors like inflation, debt, and political concerns shape estate planning decisions. Main takeaways: Belief of having insufficient assets is a top reason for not having an estate plan. 1 in 3 Americans in debt without an estate plan cite debt, particularly credit card debt, as a contributing factor. Inflation, Trump’s presidency, and public health concerns shape estate planning decisions. Many Don’t Feel They Have Enough Assets to Warrant Estate Planning According to Caring.com’s 2025 Wills and Estate Planning Survey , only 24% of Americans report having a will, marking a decline in estate planning. Many Americans surveyed own valuable assets that could benefit from structured planning.…