Knowledge of personal finance will guarantee worry-free retirement. It is simply incredible how some people know so little on something that is so important. Just as there are people who are functionally illiterate, there are also equal numbers who are financially ignorant. After all the efforts of putting up a nice nest egg and keeping things in order, it is still advisable to keep your eyes on the ball and stay on top. Anything can happen that can disrupt or destroy the order that painstakingly took years to achieve. What is left to do is ensure things stay orderly by having a will written out. It can save lots of disputes later on among the surviving heirs and keeps the peace.