Two pieces of financial admin tend to get postponed indefinitely, mostly because they're uncomfortable to think about: naming nominees on your accounts and investments, and eventually writing a simple will. Neither takes long to actually do, and both can spare your family significant difficulty during an already painful time.
Here's why nominees matter specifically. Without a clearly named nominee on a bank account, investment, or insurance policy, your family can face a slow, bureaucratic process to access that money after you're gone — paperwork, legal proof, sometimes months of delay, all happening while they're also grieving. With a nominee correctly named, the same money is generally accessible far more quickly and with far less friction, simply because the institution already knows who to release it to.
A will goes a step further, covering the broader question of how your assets should be distributed, which can prevent confusion or disagreement among family members later, especially when multiple people might otherwise have competing claims or different expectations about what you would have wanted.
Why this is worth doing now rather than "eventually": neither of these tasks depends on having significant wealth or being at any particular life stage — they're useful at almost any point once you have any accounts, any investments, any dependents. The actual time required is small, often a single uncomfortable afternoon of admin. The protection it offers your family, precisely when they'd be least equipped to deal with unnecessary bureaucratic delay, is disproportionately large compared to that small upfront effort.