只要有小孩就需要

你们死了倒痛快，有人拿你们的遗产养小孩，你们要是双双昏迷怎么办？被脑膜炎病傻了怎么办？living trust只要有小孩就需要。包括处理你丧失能力但是还活着的情况。你配偶是正确的。你应该高兴你的配偶比你想得周到，赶紧去和他一起立。

If you don't have a living trust, when you become incapacitated, someone has to petition the court to establish conservatorship for you. That is, a third party (your relatives or friends) will manage your finances and care for your children. It is better you designate that person in living trust now, instead of leaving it the time of stress when you are ill.