Then move-in day arrives, you haul everything up three flights of stairs, try not to comment on the size of the dorm room, give one last hug, and drive home wondering how that tiny person you once buckled into a car seat is suddenly living somewhere without you.

But there is one thing that probably isn't on the college packing list. Legal documents. And if your child is 18 or older, those documents may be considerably more important than the mini-fridge.

What happens if you have a stroke and can't pay your bills for a few months? Who can talk to your doctors if you're unable to communicate? Who can handle your bank account if you're hospitalized? Who knows what kind of medical care you would, or would not, want? And what happens if you need help managing your affairs as you get older?

Did you know that without a Power of Attorney, your spouse or loved ones may not be able to make medical or financial decisions for you if something unexpected happens? Many people assume their family can automatically step in—but that’s not how the law works. If you become incapacitated without this critical document, your loved ones could face lengthy court battles, financial stress, and frustrating delays just to help you. In this guide, we’ll break down why a Power of Attorney is the most important legal document you need, bust common myths, and explain how you can protect yourself before it’s too late.