People refer to probate like it is a bad thing that you should avoid. However, probate is simply a legal process, and it is not inherently good or bad. Whether you should take steps to avoid it and how you may do so depends largely on the estate you will leave behind....

Having a decent income does not guarantee the ability to pay all the monthly bills and expenses. If your earnings each month are not enough to keep you afloat, you may want to consider whether filing bankruptcy is an option for you. If you do not pass the means test,...