Risk tolerance and investment balance | Page 5 | General financial discussion | Discussion forum

As for wills, I'm surprised nobody has mentioned friends as possible beneficiaries. You don't owe anything to your cousins unless you really like them and want to leave them something.
You're still young, but it may turn out that you have a friend or two to whom a chunk of cash would make a real difference and who would really appreciate it and remember you very warmly.
If you end up with a signficant amount, you might think in terms of what you would like that money to accomplish after you're gone. Perhaps you have a pet project or two. If not, perhaps you'll develop one. You could start working with a charity on a volunteer basis long before your death, find a match for your project, and set up your bequest in such a way that they can carry it out.
A specialist lawyer in wills and estates can be invaluable.
You also need to think hard about who your executor will be. If you have no trusted close family, you might consider using a trust company as executor. That's their job, and I think cheaper than lawyers. You can also make special arrangements with annuities so that charities automatically get their share.