Who will decide what happens to the kids and the estate? Is there one more thing you'd like to give to as you go? It is worth the time and money to get a legal document and ensure these things are taken care of when you die. 

According to a recent survey, 69% of households with children under the age of 18 in them, do not have a written will. 58% of American households as a collective whole, do not have a written will. 

It is vitally important to have a written will. While you are at it, be sure to prepare health care advance directives too.  

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