Wills are not just for the rich, yet 70% of Americans think they don't need one. If you answer yes to one of the following questions, you need a will: 1. Do you care who gets your property if you die? 2. Do you care who gets your money if you die? 3. Do you care who is appointed guardian of your minor children if you die? Here's what you need to know, and how you can create your own legal will without a lawyer.