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Unexpected inheritance..do I tell my partner?

356 replies

jellytiptop · 30/03/2025 11:42

Hello, I’ve been on mn for years but have name changed for this post. I have recently discovered that my grandmother has left me some money in her will, all her grandchildren received £60000 and this was distributed to us this week. I haven’t told my partner of 8 years.

For context, we own a house together as tenants in common with both of us putting down equal deposits and splitting the mortgage and bills 50/50. DP is 37 and earns £65k pa, he has two teen children from his previous marriage who we have EOW and half the holidays, he pays maintenance, uniforms, allowance etc. I am 31 earning £52k pa with no children. We have a joint account where all household expenses are paid from and we both transfer the same amount each month, but get paid into our separate accounts. He has approximately £40k personal savings and also some shares/ crypto but I don’t know the value of these. I only had £20k until now as the deposit for the house are most of my savings.

Our relationship has been very difficult the past couple of years with my partners depression and impulsive behaviour making me feel that we aren’t in a stable partnership. He has always been very insistent on everything being 50/50 financially even when I was earning far less than I am now. I’ve just accepted it because I didn’t want to viewed as a freeloader and I could look after myself. Now I’m wondering if it’s really sneaky of me to not tell him I have this money. I would like to put some of it on the mortgage but then he would ask where it came from etc. Just wanting to know if it’s ok to have a secret bank account or what I should do with the money, we aren’t married.

OP posts:
GG1986 · 30/03/2025 12:38

Nope, stick it in your savings for you. The money from your grandparent was for you, not him.

ohdearagain2 · 30/03/2025 12:38

although you have been paying half the mortgage and bills - I am guessing you bought a bigger house due to having his kids EOW plus the bills are higher when they are there.
You are not married no reason to tell him about it infact maybe its money you use to leave him because quite frankly if you feel this way about him I am not sure if there is a future for you both in this relationship

Springhassprungthesunisout · 30/03/2025 12:38

If he also has "secret" shares/crypto/savings with which he could pay off the mortgage, and that you don't know the full value of, then I would keep your inheritance in your own savings as an escape fund.
There seems to be some secrecy and mistrust in your relationship with your DP which seems odd. Did he have a previous bad divorce which has made him mistrustful?
Do you have a will in place?

worldwidetravel2017 · 30/03/2025 12:38

Gardendiary · 30/03/2025 11:55

Absolutely keep it to yourself. He has set the ground rules by insisting on 50/50 when he earns more and has more savings. So far it has benefited him, don’t change the rules now it benefits you.

This

Elliejane · 30/03/2025 12:37

Up to you if you tell him. Legally he has no right to any of it though even if you were married. Inheritance is not subject to division in marriage .

pikkumyy77 · 30/03/2025 12:35

KimberleyClark · 30/03/2025 11:51

Would you be annoyed with him if he inherited £60k and didn’t tell you?

Ut his prior children and his crypto investments already demonstrate that he will never merge finances with OP. He will never share with her. He will always prioritize his children and himself over her.

OP you deserve a committed, wholehearted, husband. Get out and find someone good.

dapsnotplimsolls · 30/03/2025 12:35

Invest it, do NOT use it for the mortgage unless he's prepared to pay the same.

Lyra87 · 30/03/2025 12:35

I don't think I could be with someone I couldn't trust enough to tell them I received an inheritance. You don't share your finances, so unless he would somehow be able to still access the money without your permission there shouldn't be a reason why you need to keep it secret unless something is very wrong with your relationship. Is that the kind of relationship you want, where you feel you have to hide things like this?

jellytiptop · 30/03/2025 12:34

daisychain01 · 30/03/2025 12:19

all her grandchildren received £60000 and this was distributed to us this week.

A bit ambiguous - do you mean it was £60K to be shared amongst all grandchildren? If so that's a lot less depending on how many grandchildren there are.

however irrespective of the amount, you have no legal obligation to share it or even declare it, as it's your inheritance from your grandmother and you aren't married.

Sorry, to clarify we received £60000 each, none of us were expecting it.

OP posts:
Fingeronthebutton · 30/03/2025 12:33

His meanness has come back to bite him in the arse well and truely 😂

Cherrysoup · 30/03/2025 12:31

Normally I’d say tell him, but given the disparity in earnings and that he’s made you pay 50/50 even when you were earning far less, plus he has £40K+ in personal savings, I’d say stick it in a separate account. Do you think your relationship will last?

Sunnydays25 · 30/03/2025 12:30

Just saw that you contribute to the cost of his kids holidays - that really is unreasonable

He insists on 50/50 hpuseholf costs splits, but then expects you to pay 50/50 of the costs for his kids, he is exploiting your good nature. You were young when you got together with him, and i think he took advantage of this. You are not equal partners.

TwinklyRoseTurtle · 30/03/2025 12:30

Don’t tell him and don’t pay off mortgage

doitwithlove · 30/03/2025 12:28

I would not be telling anyone if I received any money.

Imbusytodaysorry · 30/03/2025 12:27

@jellytiptop I wouldn’t be paying a penny to the mortgage but you would have the cash there to buy him out if you split and if that’s what you wanted .
He's very keen on 50/50 so no doubt he would have idea on how to spend your cash. .
any penny spent on the house wether mortgage or re furb benefits him in a split .

You aren’t married don’t have kids . He doesn’t need to know.

Maybe this will make you stop and think about whether you actulay want the relationship moving forward.
Do you what kids ?
If you do and you don’t feel secure with him then maybe time to get a move on .
You won’t meet the right person while with the wrong perosn.

Wishihadanalgorithm · 30/03/2025 12:27

I would absolutely not tell him about the money. I’m guessing you have had to have a bigger house than you possibly require to accommodate his DC. You pay 50:50 for everything when he comes as a package.

I think he’s done a number on you (and I say this as someone who has been in a similar position) and you would be foolish to give him any more access to your money.

Put the money into an investment and keep quiet. Meanwhile, I’d be looking at this relationship again with fresh eyes. Is it working for you or not?

Frustratedmumpleasehelp · 30/03/2025 12:27

Defo don’t tell him!

ButterCrackers · 30/03/2025 12:27

jellytiptop · 30/03/2025 12:22

Thank you for all your responses, yes I feel quite guilty that I haven’t told him about it yet. I guess I’ve just had a really shitty year with my Gran dying, my partners mental health issues and having really low self confidence so o feel uneasy. I want this money to be put towards something worthwhile as it’s my Gran’s money and she sacrificed and worked really hard for it. You are all correct that my hesitation in telling him is not good news for our relationship. I still love him so much but I’m just tired of the emotional struggle I guess. Also I don’t really resent paying 50/50 now that I’m earning a better salary, I love my step daughters I’ve watched them grow up from ages 4 and 6 and am happy to contribute towards holidays and gifts etc when they are with us, that’s my choice.

Step aside from your emotions and focus on yourself. As you say your gran worked hard for this money so I’d say to tell yourself that you’re going to put the money aside for a year in a good savings account and take the time to think what to do about your relationship. Your dp sounds like he isn’t bothering. He’s lucky to have you and that you are a great sm. You are young and in a well paid job. You can be single and find a better relationship in the future.

ThreePointOneFourOneFiveNine · 30/03/2025 12:24

I think you should tell him. It’s not healthy to be keeping secrets like this in a relationship. The fact that you think you need to keep this a secret says the relationship is not great. I think his reaction to your inheritance will be very telling. If he’s happy for you and encourages you to use it for your own financial security then that could really strengthen your relationship. If he starts getting grabby and expecting you to put any of it in the shared pot despite having refused to do this with his own money, then that gives you the very clear information you need to make the decision to end the relationship. I can completely understand why you feel that you want to keep this a secret, but if that’s really what you want to do then you really should be looking to end the relationship now.

justkeepswimingswiming · 30/03/2025 12:24

Stick it in your own savings or savings bonds, don’t tell him and build up the interest on it. Just pay the mortgage as you have been doing, it doesn’t sound like your relationship is going to last and he’ll have a claim 50/50 in it if you do put it in.

Sunnydays25 · 30/03/2025 12:23

I'd take this as an opportunity to leave him - he's not a supportive partner, you don't trust him, he's mean.

You can force a sale of the house and buy a home for yourself, or buy him out if he'd agree and you can afford it and want to.

You're only 31, you shouldn't have to live like this. You're not responsible for his mental well-being, or for his kids happiness. He has been building up savings when you had far less and were financially suffering, so he's not treating you as a partner.

AlwaysFreezing · 30/03/2025 12:23

I'd be putting in my fuck off fund.

All unmarried women need a fuck off fund (or so my friends mother always said. I'd probably extend it to ALL women!) So they can walk away if they need to without worrying about how they'll cope financially.

MrsElijahMikaelson1 · 30/03/2025 12:23

Put it in your own savings or pension. Do not pay off the mortgage-he has savings if he was interested in doing that.

jellytiptop · 30/03/2025 12:22

Thank you for all your responses, yes I feel quite guilty that I haven’t told him about it yet. I guess I’ve just had a really shitty year with my Gran dying, my partners mental health issues and having really low self confidence so o feel uneasy. I want this money to be put towards something worthwhile as it’s my Gran’s money and she sacrificed and worked really hard for it. You are all correct that my hesitation in telling him is not good news for our relationship. I still love him so much but I’m just tired of the emotional struggle I guess. Also I don’t really resent paying 50/50 now that I’m earning a better salary, I love my step daughters I’ve watched them grow up from ages 4 and 6 and am happy to contribute towards holidays and gifts etc when they are with us, that’s my choice.

OP posts:
EliflurtleAndTheInfiniteMadness · 30/03/2025 12:22

Don't put it into the house whatever you do and don't let it go into any sort of joint account even briefly. He has kids that stay and yet expects you to pay 50/50. Whilst earning more than you he's been you to subsidise his kids, he doesn't deserve to know. Context means a lot, I'd give the same advice to a lower earning man who'd been expected to subsidise his partners children while she kept everything else in her own name, you either have joint finances or you don't, if you don't share the gains it's not fair to expect your partner to subsidise the costs.

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