The Consumer Reports Money Advisor reports that 60 percent of people have no will. It’s one thing if you have no children and you don’t have a will. But the number of people with children who have no will is outrageous. It doesn’t matter if you have no assets. Having no will means that you also have no control over what happens to your children when you die. The courts usually decide who will raise your children. So please get a will and plan out what will happen to your children if you are not around. Talk to people you would consider and ask if they would be willing to be your child’s guardian. If you have a very complicated situation, such as a blended family, you may want to hire an attorney that handles wills trusts and estates. Consumer Reports says that you should always hire a lawyer. But Clark thinks computer software programs are just fine most of the time. One really easy one is “Will Maker.” But get past the uncomfortable feeling that comes with talking about death and take care of the family you may leave behind.