Help me convince husband we need a trust
Husband and I are in our early and mid 60's. We moved to Alabama last year and bought our home outright, which is valued around $300,000. We're both retired, have 401k's around $400,000 combined, 2 paid off vehicles and very small cc debit that we pay off as we charge.
We both have adult children from prior marriages. No children together.
I feel we need to get a trust and he is very nonchalant about it. My concern is one of us passes and are stuck in probate. He doesn't care and says he will just stay in the house if I passed before him. I on the other hand do not want to pay lawyer and court fees because we have no trust if he were to pass before me. Running back and forth to court and trying to handle everything while grieving doesn't sound ideal. Plus my understanding is if he outlived me my kids would receive nothing as it would go to his next of kin.
I would like to have our home secured if one of us need LTC outside the home. I heard a trust is the way to avoid the state coming in and putting a lien on the property.
Can someone help convince my husband we need this? We had a will we bought online and it was never completed. I want a lawyer to handle it so it is done correctly. TIA