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Hi, thank you for being there. You all are a great resource and support.


My husband and I are 60 yo and this year we both have noticed a decline in our health. He is the king of all do-it-yourselfers. Sure it saves us a lot of money, but he makes up for that with the time he has to put into everything and often projects have to wait years before he will get to them and when he does, it usually takes 5-10 times longer than if we would've hired someone. If I complain or push, he goes on the defensive and offensive. He grew up very poor and it seems to have impacted him in being extremely frugal and doing everything for himself. He hates it if I hire anyone to do anything.


He can't abide the thought of hiring an attorney to draw up a will/trust. Once he told me if I went forward with an attorney for that, he wouldn't sign any documents and he would deny/negate everything I wrote in the will. I started looking for cheap alternatives to an attorney, but I think we might be a little more complicated than what very cheap will preparers offer. I finally found a firm that draws up wills/trusts and offers package deals. They do the upfront work, they are not for use after we both have passed. The price is grudgingly acceptable to hubs and he's given his consent for me to use them. However, he still gets very upset if I ask him the ?s I have to fill out on the documents. In addition, he said he's not going to fill out his documents. Since we're having reciprocal wills, it's not going to work if he won't fill out or sign the docs.


Also, I've always had poor health and he's had robust health. He's been the bread winner and I've mostly been at home. I've told him he must have some ulterior designs as to why he won't participate in this. We've been married 34 years. God has been my rock, refuge and comfort. God did a miracle in hubby and the last 9 years have been a big improvement over the first 25. He found software to draw up a will, but I looked through it and it's a piece of generic garbage that ultimately doesn't mean a thing and wouldn't hold up in any court.


I'd appreciate any thoughts as to how I should proceed. Take the bad with the good. I said I would, and I did and I do. Any helpful advice is much appreciated. Thanks

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Have you tried telling him how much of your estate would be eaten up by probate fees if he refuses to get his affairs in order? Figure out how much your assets are worth and then figure out what 30-40% of that is, and tell him that amount will be paid to the probate court.

You could tell him what will happen if you go first too. Make it sound like it will be a nightmare for him to deal with and he won’t be able to touch any assets for a long time because of all the legalities since there was no will and no trust.

the only reason MIL got her affairs in order is because was given 3 months to live & to get her affairs in order. When she was diagnosed she was told to get her affairs in order but she didn’t, she thought she had plenty of time. Less than a year later, she was given 3 months to live. And her situation is what got my parents to get off their butts and get their affairs in order.
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Poiuyt Jun 2020
I love this. This is something easy to do and it will help. Thank you!
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Since he's saying he will not participate, take him at his word. Leave him out = there's no reason for you to stop your pre-planning. If you have a combined estate worth over a million, I really think you should consider using an estate attorney to do this right. But even then, using a real, live attorney is better than none at all. One of the things to think about is that you can always change your will.

What I would do is to get a handle on what accounts lie where, and if they are joint or single named accounts. If they are all in HIS name, that's a problem. It's true right now that married couples can leave all their worth to their spouse with no tax problem. I'd consider leaving my half of worldly goods to my kids in my will since hubby is not participating. I can change the will if/when he gets on board with writing his own will!

If my hubby was not willing to tell me how much our net worth is, that's a bigger issue. What is he hiding? Does he not trust you? I'd take photos of every bank, broker, and mutual fund account statement that comes into my house starting yesterday.
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NYDaughterInLaw Jun 2020
Absolutely agree with you, Surprise!
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Poiuyt, you can inform him that there are 2 things that happen when someone becomes mentally incapacitated with no assigned PoA:
1) they force their LO to pursue guardianship through the courts (a distressing, time-consuming and costly processes with no guaranteed outcome) in order to legally provide and manage their care.
2) they become wards of the county if their LO can't (or chooses not to) pursue guardianship and the county guardian then gets control of everything (medical and financial). If there's no will for them, the state takes the assets to pay for their care, so goodbye, any financial legacy for your kids or grandkids. Not sure if this can be prevented through probate. Pricey probate.

Then look him in the eye and ask him if this kind of stress is what he wants for you in your old age or infirmity. Literally, look him in the eye and don't let him get away without answering yes or no.

Also let him know that he's not the first person in the world to mistakenly think they'll never get dementia. He can read about all THOSE people right here on this forum under Caregiver Burnout. No one knows if/when their dementia will begin. Once they have dementia, it's too late. Or, they may have a stroke and lose the ability to communicate. Everyone ages. Everyone experiences decline. Everyone dies. This is life and you must insist he face it with maturity.
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If you go to www.nelf.org you can find a certified elder law attorney in your area.

They do this work day in and day out, we found them to be more reasonably priced than any other attorney. We also found that they were the most knowledgeable of all the attorneys we interviewed.

One thing to consider is that it is scary to face your own mortality. Your husband may be a bit superstitious and think that planning for end of life brings death. More people have this belief than you can imagine. So walk him along, find the cheapest most qualified attorney and reassure him that taking care of this doesn't mean that anyone is dying any time soon.
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Beatty Jun 2020
Or I don't want to think about dying. So I won't. Ever.

I have a rock-brained spouse like this too.
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P, does your husband participate in www.bogleheads.org? We are an online forum of folks who use index funds, not stocks, as investment vehicles. We are frugal and smart with our money. Ask DH to post this question there are consider the responses given by a very smart and money-saving group of folks.
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Poiuyt Jun 2020
I will ask him! We'll see what he does... Thanks
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My father died young, at 43, without a will.  My mother went through the worst time of her life, and it was worse because of the administration issues.  Ask your DH, the only one who will suffer is YOU and is that what he wants.
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MountainMoose Jun 2020
Exactly! Having a will and a living trust helps others (and brings peace of mind for the signer).
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He says he won't fill out the paperwork?

Why would that be?

Does he do the taxes himself?

I would be suspicious that he is experiencing cognitive issues and is trying to hide them.
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lealonnie1 Jun 2020
My thoughts exactly. Sounds like cognitive behavioral issues to me 100%
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P, you need to get a password keeper app that you both have access to. It will be a nightmare if you don't know the account numbers or can't get online access. We use 1Password personally and for our business (but there are others). I've given my adult children the master pw so if anything happens to us, they will not be hamstrung. The only thing is if one of the users changes a pw, they will need to allow the app to update it in its memory. But this is better than nothing. It also stores cc's, licenses, insurance info, and pdfs of anything you want. A very handy tool. Worth the nominal price. And trust me, you will be forgetting your passwords as time rolls along.
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Poiuyt Jun 2020
Did you have hesitancy in putting all your passwords in such an app? Maybe it's because I'm not very techy that I balk at putting all the passwords together online. Still, it's a great point you bring up...time rolls on and it's better to be prepared for mental changes.
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My DH was also adamantly opposed to making out a will and I don't know why. He TOOK his father to the attorney's for the appts he required to set up a trust. He encouraged his mother to get one done, kind of leaned on her. She was very mad about it, but when I told her strangers would go through her underwear drawers, literally, she was horrified and did do a will.

DH has been up against death many times. Maybe he just figured I'll outlive him and so at that point, I'd make a will.

I told him I was going to do it, he could come willingly or unwillingly, but it was going to happen.

I filled out all the paperwork and info. All the atty did was organize it, have it put in a lovely leather book and spent 30 minutes helping us to make a few decisions we had not thought of. He actually said he felt bad taking the whole fee as I had done most of the work.

When we went in to 'sign' everything, DH was actually very grateful. He's just stubborn and likes to leave as much up to me as he can. I didn't care, I just wanted things to be organized for the kids.

Only thing we totally disagreed on: I would NOT name our son, (who is an attorney) as the executor. Our oldest daughter is, with our 2nd oldest daughter as backup. DH really held out on that, and I told him my reasons for why I felt the way I did---for one thing, our son doesn't live here and never will, also, my daughter can handle things as she is close, incredibly organized and unemotional.

We always had a 'holistic will'---signed by both of us, but I never felt calm about our affairs until we had this done legally.

Some people are fabulous at procrastinating. This is a family trait for my DH. He has grand plans, but they mostly never come to fruition. Not a problem if you promised your wife you'd build a small gate 30 years ago and still haven't done it--and never will. It's like saying you're going to do something means you did it. No, sir, it's NOT the same.

I am at the point in life where if DH offers to do something I'd like or need done, he has a certain length of time in which to do it. After that. I hire it out. He gets kind of mad, but he always has plenty of time to do things, he just doesn't.
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Is it frugal or he doesn't want to admit he is mortal. My husband felt he was dooming himself when he signed yours.

You may want to tell him if he doesn't do a will the State will get involved. They will determine who gets "his hard earned money". You being his wife does not make it automatic that you get it all. This question has popped up before. So I looked up my State concerning someone dying intestate. There needs to be an Administrator who does pretty much what the Executor does. The difference is the Courts get involved and the Wife does not always get it all. If there are children, the get a percentage, even the parents can get something. A Will makes it more cut and dry. Usually with a husband and wife its what is yours is mine. Its the survivor who has to be more specific. Do you really need him to set it up. Maybe just his signature?
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Poiuyt Jun 2020
I'm going to find an elder lawyer and ask if I really need hubby to set it up. Ty.
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I think you should go to an attorney and ask what would happen if your husband dies without a will. Maybe when he sees that he may pay more in taxes and legal fees to settle his affairs intestate (without a will), he will see the value in getting an estate plan.

Meanwhile, check all the accounts you both have for beneficiary designations. Make sure the beneficiary is the one you both want. Check the house title to make sure it passes the way you want it to. Some states even allow the car titles to pass with a beneficiary.

And I agree completely with Tothill. Don't let him be your power of attorney or health care power of attorney. We are going through a sad situation in the extended family right now where the POA balks at even replacing clothing for the patient- much less getting a second opinion on a health issue.

It's not an attempt to increase an inheritance either. It's a life long cheapness that, frankly, the patient knew about. I have no idea why she didn't appoint someone else- who would buy her some new underpants when she needed them! Or a comb!
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Poiuyt Jun 2020
I appreciate your insight, thank you. I'm not going to list him as my poa or hcpoa.
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Since my husband and I are Army veterans, having wills drawn up was no big deal. We actually were required to have wills as part of our military service. We are both approaching 60 and feel content with our decisions made in our twenties.

In every state, when a spouse dies the surviving spouse gets the estate. It is a problem when both spouses are dead and probate court needs to come in to divvy the estate among the surviving children. I understand probate court can be expensive (ask a lawyer about the "usual") and then the state and lawyers get a huge chunk of the profits. For your own piece of mind, have your own will made up.
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Hi,

You mention he is the bread winner and you are mostly home, that means you work VERY hard keeping up a household, food shopping, cooking, cleaning, laundry, making doctor appointments, filling out paperwork, running errands, etc. etc.

I once heard the phrase from a contractor, “being cheap is expensive” and I learned my lesson. You both sound like responsible people.

You don’t mention if you both have children?
• Do you own a house...are you both on the deed?
• Is your name on a joint bank account (with the wording AND or OR) or are you a beneficiary?
• Is there a Life Insurance policy, are you named the beneficiary?

I asked all these questions because not everyone needs a Will.
It depends on what & how you own it and if you don’t own it where you’d like it to end up once you have passed.

If you are both on the deed of the house as joint tenancy then you’ll get right of survivorship and fully own the house, no probate involved and a Will would not override this anyway.

If both of your names are on the bank accounts as joint owners, then you can provide a death certificate and it’s yours, same as if you’re a beneficiary (POD Paid On Death account) and no probate and no Will needed.

That may leave other personal property, does he own a car titled only in his name, are his belongings of value like jewelry, coin & stamp collections...without a Will it may not go directly to you as a spouse especially if you have children and it will all need to go through Probate. You would want a Will in this case.

Some consultations with an Attorney may be free, depending on what you need drawn up however it could be expensive but worth it in the end...less headaches afterwards.
In my opinion I won’t knock a Will done on a website such as LegalZoom, as long as it’s the correct filing with your State rules and notarized/witnessed with people not involved in the inheritance.

Good luck and I hope you choose what’s best for your family.

Stay safe & healthy.
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Poiuyt Jun 2020
Thank you very much! Great advice. My mother used to say that expression in Spanish.
We do have children. We do own our house and both our names are on the deed. We do have both our names on our bank accounts as joint owners. The only account that has one owner named is my inheritance account. That one I have listed only our children as the beneficiaries.
Our cars are listed in our own names, not jointly owned. As someone else stated, I plan to go to the DMV to fill out the form to put both our names on the titles.
His personal property that is valuable is all his tools and all his hiking/camping/bicycling gear. My personal property would be household furniture and appliances.
There is no life insurance policy.

Hubby wants to write up his will to say that after we both pass, the children are to get the Salvation Army to come and take away all our personal possessions in the house, garage, storage sheds. Then the house is to be sold within one year (he initially said 3 months) and proceeds divided equally among the children.

Thanks very much for your kind sentiments.

Blessings to you.
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Poiuyt, do you have any children? If you don't, maybe your husband simply doesn't care what happens to the estate after you are both gone.
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Poiuyt Jun 2020
We do have children. He just can't see past the greed of lawyers to take as much of his money as they can. He would rather write up a will himself to the best of h is ability with having put our possessions and finances in accounts with beneficiaries listed.
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I would not rely on software to write a will. The software is not likely to address all aspects of the law and using it could have repercussions for both of you. There is no substitute for an expert. My father was reluctant to formulate a will. He changed his mind when I told him that anything not held jointly with my mother could be subject to an estate tax. Myhusband and I did our wills with the thought that our wishes are in writing for our children. We even bought our niches at a cemetery because believe it or not, they were having a price reduction. We learned that pre planning your funeral saves a lot of money. The cemetery director informed us that the cost could drastically increase at time of death because it is an on demand service. I would talk to the attorney you selected for advice. If If his possible for you to execute your will without him, go for it! One final thought: could it be that your husband's reluctance is due to feeling uncomfortable about death and dying?
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pegleg1 Jun 2020
I believe you hit the nail on the head. My husband will not draw up a will because he has not faced the reality that he will pass away someday and he is 74 now. But he fears his own death so does not want to talk about life's end.
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Being the suspicious type I immediately wondered if he is intent on hiding something. An account or property that he doesn't want you to know about? Someone from his life or past he doesn't want to admit to in a will, but wants to receive a share of his assets (believing that they could inherit by virtue of relationship via probate without a will)? I told you I'm suspicious! 😉
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Make sure your name is on everything he owns...car, house, bank accounts, stocks, etc. Then go make out your will.
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Poiuyt Jun 2020
Thank you. I'm realizing I have to be my own advocate in this.
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There is a lot you can do to avoid even having to deal with probate and wills, but would depend on what kind of assets you're talking about. Check with your department of motor vehicles for a form that passes autos to you/you to him in the event of a death. Same for all banking accounts. Ask an attorney if your state uses something similar to Lady Bird deed for your house - you designate who the house will go to in the even of either death and it passes accordingly without having to file probate on a will. Retirement account can also be set up with beneficiary and passes to appropriate person outside of probate. If you are not dealing with a lot of assets, this may be an easier route to take.

Upon death, the only time you really have to get involved with probate is to handle any leftovers that you didn't take care of by way of beneficiary prior to death. The court finds all involved relatives and divides according to your state laws.
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Poiuyt Jun 2020
Very helpful, thanks. A few years back I casually asked him if he had listed me as beneficiary on his retirement accounts. That made him do it. Prior to that he had never listed me as beneficiary.
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Check out Legal Zoom, if you will is a simple will. My husband and myself did go to an attorney just updated our will to Living Will since we have one child and everything is going to her. Besides a will, I feel the most important document is a  Durable Power Of Attorney. Make sure it is a Durable. This is a document is for the person is unable to make decisions for themselves, or incapacitated, otherwise you might have to do a guardianship, which is very expensive and takes some time it is not instant or the doctors/hospital will make the decision for him or you....I would strongly suggest you make an appointment an appointment with an attorney. Usually the first 30 mins or hour is free. Find out what happens if you make a will and POA for just you, but he doesn't have one and what happens if he should pass and your name isn't on everything; if it isn't, otherwise if your name is on everything how it works if he passes and you do have a will how does it work.
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If you can't go to a lawyer without him or you think everything is very straightforward, there are online services that let you draw up a legal will yourself in accordance with the laws of your state. You can have it witnessed, notarized, and it is completely valid. You can file it at your local courthouse. Then, make sure you have full POA for your husband. That way, you can start transfering everything into a trust or your own name if he becomes incapacitated. It could save you immeasurable stress if he dies without a will.
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Poiuyt Jun 2020
Great advice, thank you.
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P; I have a small notebook in which I list all my passwords. My kids know that it's always on my desk and if they need to get it , it's here.

Your husband, sad to say sounds like one of those "stupid and proud of it" guys. I feel bad for you and your kids. Husband does not get how the world works. Very sad.
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Poiuyt Jun 2020
I too have a notebook where I list my passwords and my children know they can access it when needed.

I asked for any helpful advice. Your second paragraph bashing my husband was unkind, thoughtless, and rude. There is no one perfect in this world. He has a lot of great qualities that were not pertinent to my question.
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You should seek out an attorney.
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Poi, you should never put your passwords on an app that is on the web.

We use keypass and it is just on our devices, no online access.

I do recommend using something like this program to keep and generate passwords.
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If your state permits self-written wills, you can write your own and have i notarized. The process may require one or two unrelated witnesses, so if your bank or notary will not provide those on site, line up a couple of friends to serve as your witnesses.

If you have a bank connection, your bank may have a notary free of charge. If you need to pay a notary, it will still be minimal compared to an attorney.
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Poyuit, you are absolutely correct, that WAS very rude of me. I'm sorry.
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Poiuyt Jun 2020
Accepted. I appreciate your apology. Thank you!
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There is a wonderful little book called 5 at 55. It's about the 5 documents you need to have by age 55 and why. It's an easy read. It might be a good purchase.
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MAYDAY Jun 2020
I will look that one up. I think I am ready to read now.
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Office depot used to sell DIY Will packets. They may still have those.
Courts may also have law students who need "practice" so you may want to see if the courts in your area provide a service that uses law students to get practice in...
Paralegals may be another idea.
Or for the time being, if you so feel the need, draw up a POA for health and finances on your own, and appoint anyone you feel will help you. POA for Health, if you feel you need it, then do this for yourself. If for some reason you become incapacitated, you will at least have covered yourself for Health and Finances.
Maybe he just isn't ready to face the future.. It's time. Don't make him face it, but please make sure you are joint on all his accounts, homes, cars, investments, etc.
Make sure you are covered, GET YOURSELF THE POA FOR HEALTH AND FINANCES. Take care of that. He doesn't want to face it, then choose a kid and a second kid to be the person to take over when you are not able to.
If and when hubby asks you; just say, Dear, you were not mentally prepared to face this issue, and I didn't want to force it upon you. It's ok. Our Dear Jr. is willing to be my POA if and when I cannot speak for myself.
If Hubby says anything that he is ready to move forward with a complete FAMILY TRUST & POA's for both of you, you can revoke the other one, and start anew. But do ask your attorney, I am just a person who likes to blog sometimes, often too much on things I have no clue about... sorry... :-/
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It is amazing to read your story, which so clearly explains the way that many (if not most) people think about legal things and lawyers: avoid and keep life simple.

You can honestly congratulate the person who is cautious and doesn't want to waste money. And you can also honestly explain to him how Estate Planning ends up saving money.

If you give up the opportunity to prepare the basic planning documents, state law and judges will decide how assets are managed and distributed, and how health care decisions are made. Those legal proceedings are not simple and cost thousands of dollars more than what you spend to have things written the way YOU want.

The DIY form documents you mentioned often won't save money. Without the insights of the Estate Planning Lawyer who takes the time to review the data you gather on your Inventory forms, and then to listen and understand what you want, you'll never know about ways you can avoid Probate and other traps that consume time and money.

You can promise your husband that he wouldn't like the default decisions that result under your state's laws for people who don't have Will, Power of Attorney, health care, and other documents that are prepared just for him by the Estate Planning Lawyer.
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actually even Home Made Wills stand up in Court.

They have simple wills you can print off On Line.

If you have a Simple Will, where when you die everything goes to your husband and when he dies everything goes to you.

Go on line print it off fill it out and have it signed and notarized at your Bank for Free.
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Your husband and mine are two peas in a pod. He doesn't want to do house repairs, especially cars or appliances (he will write a check for those), but gets upset if I mention calling someone. He owned a design/build firm for many years and I think he feels he could do a better job, but then he doesn't do it. This goes on for years then he finally does a project. One bathroom took a year to redo and the other bathroom 18 months. Nothing is ever 100% done. He built our house 35 years ago and I still have trim sitting around the house that needs to be installed, things just setting in place that need to be nailed down. It's upsetting, but what are you going to do. At one point I went out to his shop and got a hammer and a nailset and started toward the house. He was right on my heels wanting to know what I was going to do. When I told him, he took the hammer and nailset from me and did it himself. It took all of 10 minutes to complete! I am having the same problem about a will. He agrees we need one, but will not take action or get interested in it, doesn't want to spend the money. We are now 70 and I am getting concerned.

Hope you can get things worked out soon.
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