Abu Huraira narrated that the Prophet said: "A time will come upon the people when one will not care how one gains one's money, legally or illegally" (Bukhari). Are we being talked about in this Hadith?
Making your will need not be very difficult. All you really need is a commitment to do it, to contact the right people and draft it. This is not a legal advice. Circumstances will vary by individual.
Our children deserve the best effort that we can muster to insure their success. Islam guarantees it - Allah demands it. There is no more time left for Muslim families in a community to give a few thousand dollars in a half-hearted effort to educate their children.