The Scariest Thing in Your House Isn't a Ghost This time of year, we watch scary movies, decorate with skeletons, carve pumpkins, and jump at every creak in the floorboards. But here's what scares us most isn’t a goblin, ghoul, or any other monster that goes bump in the night. It’s an estate plan that hasn't been updated since your last major life event. Trick-or-treating is fun. Estate planning tricks? Not so fun, and most people never check for them until it's too late.