Mass mutual is making tons of money, getting people to sign up for trusts for dogs and cats. People are paying $500 for each trust, which ensures that a dog or cat is well taken care of after that person dies. It includes dog walking, a place to stay and grooming. At the same time, many people have made no arrangements for their own children. Clark is stunned by the number of people under age 21 who have no will for their kids. If you don’t draw up a will, the state will decide who gets to raise your kids. Spend the $30 or $40 to do a will online and you’ll feel so much better. Clark’s favorite program, Will Maker, is available at nolo.com.