D.B.
I can understand where you're coming from. It seems more daunting than it is. Once we made the call to our attorney (Ken Vanway), he walked us through everything. Keep in mind that a will is good, but it will only go into affect when you die. At our age, the likelihood of being incapacitated (i.e. having a bad injury or illness) is higher than dying, so it's important to also designate who you want as your medical power of attorney, financial power of attorney, and who will take care of your kids if you or your husband were incapable. Ken walked us through estate planning, death tax, kids inheritance, etc. It takes some time to think through all of that, but you'd just complete a few forms...and it's well worth it.