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I know none of us really want to think about our own death; and I’m not the Grim Reaper, but I am here to remind everyone that we’re all going to die someday and I can’t stress enough that if you don't have a solid legal document in place, you could leave behind a big mess. A recent survey found that roughly 60% of Americans don’t have wills, and the numbers are even lower for African American and Hispanic adults.

The problem is that especially during tough economic times like these, people think saving for immediate needs is more important than planning for the future of their estates, but that’s a mistake.

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