Yes, we do not have our ducks in a row, but as dh & I may be flying in January & leaving our teens home, I feel we should get on it. We own our house & vehicles & have no debt, but don't have a lot of extra either, so it needs to be done cheaply. Our children are ~20, 18 & 161/2, what do we do as far as guardiansship for our 16 1/2 year old? Does a will state that kind of stuff? I'm clueless. Do dh & I each need a will?