I've embarrassed to say that I've never had a will. With that said, we've decided that it's time and will probably schedule something with a lawyer in the next couple of weeks. We don't have any kids. We do have a 4 year old niece that we'd like to leave 90% of our assets to but we want to make sure that her mother doesn't see a cent. How would you structure something like this? Give her a certain amount at different stages of her life? I know that I didn't have a clue about money at 18 or 25 and would have just blown the money.