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The Library/Long-Form/Having Uncomfortable ConversationsSeptember 29, 2026

The Library · Long-Form · 2 min read

Why Every Legal Adult Needs an ACP (Yes, Even in Your 20s)

Advance care planning isn't an elderly person's document. A death doula on the CDC data showing why the youngest adults carry the most sudden risk.

By Michael Hawley · September 29, 2026

Michael HawleyMichael HawleyDeath DoulaSeptember 29, 20262 min read

TL;DR

2 min read · Long-form
  • Unintentional injury is the leading cause of death for Americans age 1 to 44, and 44.1 percent of deaths among ages 20 to 24, per CDC data.
  • College-aged adults complete advance directives at a lower rate than any other adult group, so a parent or partner ends up guessing.
  • An ACP starts with one honest conversation. The paperwork takes twenty minutes.
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A parent, a sibling, a partner stands in a hospital hallway guessing what you would have wanted. No notes. No memory of you ever saying it out loud. They have to decide anyway, because someone has to and the hospital needs an answer now, not next week.

That's the scenario advance care planning exists to prevent. It isn't an old person's scenario, however the paperwork gets marketed. The healthiest, youngest person on earth does themselves and their family a disservice by skipping an ACP. Getting one has only benefits. Not having one has only downsides.

Unintentional Injury Is the Leading Cause of Death for Young Adults

Unintentional injury is the leading cause of death for Americans age 1 to 44. It accounts for 44.1 percent of all deaths among people age 20 to 24, according to CDC data for 2022. The statistical risk runs almost exactly backwards from where advance care planning gets aimed.

This age group carries the real exposure to sudden, catastrophic, unplanned events. Meanwhile the paperwork keeps getting framed as something for later, once you're older, once something's actually wrong. The data doesn't support that framing.

Sudden Illness and Accidents Give Young People No Warning

A friend of mine was diagnosed with colon cancer at 25. Another has been a paraplegic since a car accident in her twenties, unable to communicate, still alive decades later. Neither had any warning before the day their life changed completely.

Add what's circulating in the drug supply right now. The CDC recorded roughly 79,000 overdose deaths in the US in 2024, with fentanyl involved in most of the opioid deaths among them. Being 24 and healthy has never been protection. It's only been a reason to assume, wrongly, that you still have time.

College-Aged Adults Complete Advance Directives at the Lowest Rate

A 2025 Florida Atlantic University study found college-aged adults complete advance directives at a lower rate than the general adult population, which itself sits around a third. That gap doesn't disappear. Someone else fills it at the worst possible moment: a parent or partner in a hospital hallway, guessing, with no documentation and no memory of a real conversation to lean on.

Starting an ACP Takes One Honest Conversation

You need one honest conversation with one person. What would you want if something happened tomorrow? What would you regret enduring more than you'd regret missing? That's an hour of real thought. Not a law degree. Not a lifetime of preparation.

Once you know what you want and you've said it out loud to someone who'll remember it, the paperwork takes twenty minutes. The barrier was never time. It was the belief that this kind of planning belongs to someone older than you. Do it this week. Start with the five discovery questions.

I'm developing a guided Advance Care Planning course built around exactly this process. It isn't available yet. An introductory consultation is open now for anyone who wants to start sooner. Reach me through my profile.

Sources cited

Otherside Life · The LibraryEnd

Common questions

Why do young adults need an advance care plan?
Because the risk sits with them. Unintentional injury is the leading cause of death for Americans age 1 to 44, according to CDC data. Without a plan, a parent or partner stands in a hospital hallway guessing what you would have wanted.
What is the leading cause of death for young adults?
Unintentional injury. According to CDC data it accounts for 44.1 percent of all deaths among people age 20 to 24, which means the risk runs almost exactly backwards from where advance care planning usually gets marketed.
How long does it take to make an advance care plan?
One honest conversation and about twenty minutes of paperwork. The real work is an hour of thought about what you'd want and what you'd regret enduring. You don't need a lawyer or a lifetime of preparation.
Do college students complete advance directives?
Rarely. A 2025 Florida Atlantic University study found college-aged adults complete advance directives at a lower rate than the general adult population, which itself sits around a third.

From this series

Having Uncomfortable Conversations

Advance directives, caregiver burnout, a parent’s stories, a coworker’s loss: death doula Michael Hawley keeps finding the same missing piece under all of it, the conversation nobody modeled how to have. Start with why that silence costs so much, then go deep on advance care planning, caregiving and dementia grief, capturing family legacy, and building death literacy in your workplace and community.

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Michael Hawley
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Grief, Families

Michael Hawley

Death Doula

Walking alongside the dying since the AIDS crisis in San Francisco. Committed to one thing: that no one dies alone, and no family is left without a guide.

Otherside Life coordinates; care is provided by the practitioner. Coordination only. Not legal, tax, financial, medical advice or funeral services.