I'm looking for a cheap way to make a will for me and my wife.
You can also find a cheap way to remove your own appendix.
I'd suggest finding a good local estate attorney to advise you on this one (any attorneys in your church?). I don't know how complex your finances are, but you should at least get the advice (Ramsey doesn't have expertise on this one since a) he doesn't have a law degree b) estate law is handled almost purely at state level).