The second step is to establish what you want to do especially if you have kids.

For a couple, there are two scenarios.

The first part would be if something happened to one of them and the second part would be if anything happened to the both of them. If people have kids, the biggest thing is who looks after their children.

People can get very flummoxed about that; while you and your sister may have an unspoken agreement, your spouse may have other ideas. Making a will can act as a catalyst for having those difficult but important conversations. Parents give weight to a number of factors.

Preferably someone local so that you are not uprooting the kids to a different school, someone your kids are already very close with and someone with fairly similar child-rearing values to you.

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