Does the whole idea of "estate planning" seem a little off-putting to you? Many people think it's something that only rich people need to do.
Don't let the legal terminology fool you. Estate planning is simply the process of getting your affairs in order so that you make things easier for your surviving family members when the time comes. It doesn't have to be difficult, expensive, or depressing. All you need to do is take a few simple steps: take a look at what you own, make a will and a few other documents (you can probably do it yourself, without hiring a lawyer), and review the beneficiary designations on your retirement accounts. For the vast majority of Americans, there's no need to worry about estate taxes or fancy trusts.
Estate planning is something you do for your family. Get it done, and you'll feel better knowing that you've taken care of them.