Your estate is complicated. Stop reading these posts—except the ones that tell you to get professional help.
Also get a power of attorney document and a living will signed.
Really—this is one thing you do not want to cheap out on. Save your kids from massive headaches, fights; and expenses.
DO NOT SIGN A LIVING WILL. You would be authorizing some doctor to kill you because he thinks that's what you want. You really have no idea now what you will want when you're faced with a serious or life-threatening illness. Don't try to outguess yourself.
Sign a DURABLE POWER OF ATTORNEY FOR MEDICAL CARE, appointing some trusted person with the authority to make medical decisions for you when you can't make them for yourself.
My wife and I have signed DPAMC, each for the other.
Laws differ from state to state. Consult an attorney for the proper DPAMC for your state.