New Years Resolutions and Estate Planning

LJ is tired of all my new years resolutions, he asked when  "new year resolution time will be over?"
Never or when I get distracted by life. (The later most likely.)

For now though, I am still working on the great big list of 2012 and moving on to the estate planning portion of our program.  Which is funny to say. "Estate planning" is for those rich folks in Beverly Hills with all that oil money, right?  I hate to think of all the things that would happen if DH or I died unexpectedly.  It has been weighing on my mind, not sure what to do or where to start and certain that I have PLENTY of time to work this out.   DH turned 47 yesterday;  which means I am NOT 47 haha; but time is ticking and we  need to get things in line.

But where to start?

1. Will
We definitely need a will to make sure that LJ is taken care of if anything should happen to us.  No brainer; but still here we sit with an almost 9year old son and no will.  I know the government would have a field day with all our 'stuff' if we don't get this down in writing.  Then there is the whole living will to make sure your wishes are followed if you are in a coma.  I found a blog Cash Money Life that has some easy to read information  and I am going to research on line for a simple will program and try to do it myself. 
Has anyone done an online will or did you go through a lawyer? .

2. Life insurance
When you are young and first getting married, struggling to pay bills, who thinks about life insurance?  Not me. Then you get older, start a family and still no insurance.  That is definitely not me either.  I have some insurance; but not enough to take care of LJ.  I have to read up on that to understand what is necessary.

3. Savings and Retirement
Over the last few years, I have been paying more and more attention here. DH and I are pretty good savers.
For me, it is this weird fear of just not having any money. Totally unbiased and odd; but I remember back to buying our first house, I literally hyperventilated into a paper bag at the bank.  True story.  This year we are going to look into how to open a roth IRA and a college fund for LJ.


Ok, so those are the top three things I am going to work on this week. I'm not going to think of all the other things on my list, just these three little easy projects. If anyone has any good suggestions, please leave for me in the comments.