I didn't think we had enough assets to need a will, and then my husband died

• My husband and I didn't have many assets, so we didn't think a will was something we needed. • After his death, I decided I needed a will to protect my daughter if something ever happened to me. • I was able to find a straightforward online service that simplified the process.

I wish I could say my husband and I were young and foolish, but we weren't that young. We just never considered writing wills.

Who needs those? Grandparents. People in their 80s whose adult children are going to argue over who gets the favorite painting or the glassware. We had one young child and nothing to our names. We were carefree.

Sure, we had a house. More accurately, we had a mortgage. We had a checking account and retirement accounts (though, after several moves and medical expenses, they would not