Do I really need an estate plan in my 20s or 30s?

Honestly, yes. Estate planning sounds like something your parents do, but it's really just a set of documents that make sure the people you love are protected if something happens to you. Getting married is actually the perfect time to do it. Your life just got more intertwined with someone else's — your finances, your home, your future kids. Having these documents in place means both of you are covered from day one, not someday.