Paying for things like wills and insurance is not fun. It's money spent for things you hope you never need to use, but it's necessary if you care about the people you'll eventually leave behind.
My wife and recently had our will updated, with a trust for my kids, power's of attorney and all that jazz. It was more expensive than I'd like to admit, but hopefully won't be needed anytime soon, and if it is, hopefully will make things go much more smoothly for those who are affected by it.
One thing worth mentioning, is that sometimes your state laws regarding estates don't work how you'd think they would work. In my state, if you don't have a will, your assets pass 50% to your spouse and 50% to your kids. That doesn't make sense if your kids are minors or you want all of your assets to go to your spouse. You don't want a big life insurance policy going to minor children without a will and trust in place stating how much they get, when they get it, and who's looking over it until they're adults. Otherwise, your money may go to them, but be inaccessible until they turn 18, then all be released to them. It's much better to set up a trust so that there's somewhere for money to go, and so you can spell out something to the effect of, "They get ___% at age 18, ____% at age 25, ___% at age 30, etc" or whatever you think is appropriate, since not everyone thinks it's a great thing for an 18 year old to suddenly inherit a huge amount of money, without any regard to them continuing their education, or how to make that money work for them, and so on.
So, yeah. Get a lawyer. But get a cost estimate for the work first, so you don't get a shock-bill at the end.
