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I dont believe she is talking legal, I think she's worried about relatives putting their two cents worth in, and this would seriously show how both parties wanted their affairs settled

I agree that the problem is always the 'in-laws' putting in their two cents worth. If it was me I would draft a document stating your inputs in percentage terms and what you want done with the properties after break-up/death etc. and get a Justice of the Peace to sign it. Then take x amount of...