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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Inheritance for Stepchildren?

65 replies

HeyHowYouDoing · 22/07/2025 23:52

More of a WWYD?

DP previously married, 2 children now 17 and 21. Divorced well before I met him. Mother of DSC remarried, one more child, appearances suggest they are well off.

DP and I have been together over 10 years, 2 children of our own. DP pays child support to ex, and gives older children extra money/gifts as and when. But we are not well off. I have met DSC probably 6 times each when they have been to stay (due to distance), all very pleasant, but not strong relationship (between me and them).

DP and I are not married. In time I expect to inherit enough money to buy our own house outright. At this point I will need to rewrite my will. I would ensure my DP could live in the house for as long as he needed, but it would be split between my children. However, I don’t expect my partner to have much to leave his kids. In this situation, would you leave money to your DSC and if so what value/proportion? My gut feeling is as half-siblings to my children I would like to leave them something. Just interested to hear what others would do.

OP posts:
orangedream · 23/07/2025 08:01

So his children were 7 and 11 when you met and you've only met them a handful of times? That's very sad that they
aren't part of their father's family.

HeyHowYouDoing · 23/07/2025 07:59

@myfavouritemutant Yes probably. It’s just there were other financial changes going on that made me think about it 😁

OP posts:
ChristOlive · 23/07/2025 07:58

No way. Don’t disadvantage your own children for the sake of strangers OP. When your DP is living rent-free in your paid-off house, he can start saving for all his children if he wants to.

Doitrightnow · 23/07/2025 07:55

I'm in almost exactly this situation (except married).

I left all my assets to our joint dc. DH left his between all his dc. So that means if we both died, our joint dc would get my 50% + a third of DH's 50% (66.6% of the estate), and two DSC would get a third of DH's 50% each (ie 16.6% each).

DSC will also inherit from their own mothers of course.

Spirallingdownwards · 23/07/2025 07:40

The house will be YOUR asset.

Your assets (including the house) should be split between your children.

Take care when leaving aa life interest with regards to your DH/DC being able to afford to maintain the house. You may want to consider leaving a life assurance policy for him to rehouse himself!

His assets (whatever form they take and however much) should be split between HIS children or. your step children and your children together.

Adelle79360 · 23/07/2025 07:33

In your situation no I wouldn’t be leaving anything to children that are not mine. It might be different if you’d brought them up from when they were youngsters and you had a good quality step parent relationship with them. I can’t imagine wanting to leave what I have to anybody other than my own children. The people I know who have had this happen to them have found it quite hurtful - that their parent has prioritised somebody else’s child over their own. Everybody knows that inheritance isn’t an entitlement, but it’s still a kick in the teeth.

If you feel strongly enough about it though, do as you wish. At the end of the day it’s your money and you can leave it to whoever you want. What sort of amounts do you want to leave your DP’s children?

NorthernDancer · 23/07/2025 07:31

Not here I'm afraid. I've known my SD 24 years, been married 21. That was the last time my DC saw her. No interest in having a relationship with me? No inheritance.

Steelworks · 23/07/2025 07:31

Maybe a token amount, if you’re feeling generous, but you don’t know these children, or have a relationship with them.

Gonk123 · 23/07/2025 07:25

I wouldn’t get married and risk losing anything to someone who has not brought anything to the table. You don’t have a relationship with your step children to speak of so I don’t think you need to put them in your will. You could leave them a gift instead - piece of jewellery as a momentum but I wouldn’t split cash.

HeyHowYouDoing · 23/07/2025 07:22

Mustbethat · 23/07/2025 01:21

Same here.

our house is in my sole name. I have assets in my name.

dh signed over his house to his ex when he left (her affair btw). She’d already emptied the joint accounts and squirrelled a lot away in preparation so he left with nothing, when he met me he had nothing.

he doesn’t earn a lot, and after he pays maintenance and expenses for his kids he doesn’t have much left. I pay all the bills, mortgage etc.

dh will get my pensions and a life interest in the house. My children get the house and everything else.

we expect his children to get the house she has now, that dh paid a significant amount toward. It’s in the SE so worth a lot now, and he left her with a small mortgage that should be paid off by now. Obviously she may choose to leave it to her new husband or someone else, but not much we can do about that.

Edited

Yes that’s pretty much our situation. Whilst DSC would inherit from their DM, there are other children their Stepfather’s side, so the split is likely to go more ways - not my problem I know.

OP posts:
TwistedWonder · 23/07/2025 07:20

HeyHowYouDoing · 23/07/2025 07:08

So if I paid 100% of the house, bills, maintenance etc you would expect half of that to belong to my DP?

No because I wouldn’t expect anyone to put themselves in that position where they bankroll another adult

washinwashoutrepeat · 23/07/2025 07:19

As you are not married and don’t have a close relationship with your SC, I wouldnt make it equal BUT I would leave them a share, as they are still part of the family and siblings to your children.

if you were a totally blended family, I would make it more equal.

can I ask why you haven’t married your DP? This will have an impact upon your rights to each others estate

Size40Shoes · 23/07/2025 07:18

Three things.

Do NOT get married
Get a deed of trust done when you buy to allow him to reside in the property until death.
Do NOT leave the step children anything - they have 2 other parents. Its their job.

myfavouritemutant · 23/07/2025 07:18

If he’s living rent free in your house it would give him time to build up assets, that he could then leave to his children? But regardless, worrying about your will for money in a potential future inheritance feels a bit premature.

Isitreallysohard · 23/07/2025 07:14

HeyHowYouDoing · 23/07/2025 07:08

So if I paid 100% of the house, bills, maintenance etc you would expect half of that to belong to my DP?

No. My first question would be why do you have this set up and what does he contribute?

autienotnaughty · 23/07/2025 07:13

So it would be your house not dps? Do you plan to get married?
if it’s yours I would leave it to your dc. Your dp can leave any assets he has to his 4 children and your step children will inherit from their mum.

Isitreallysohard · 23/07/2025 07:12

Do you have a partnership? Even if your DH hasn't contributed to your house financially, has he in other ways? If so, I would leave something to them. I'm guessing if he hadn't met you then he'd probably be better off, and quite honestly if you have 2 children together, then his children have most certainly missed out due to your joint children, financially and emotionally. You don't have to of course, but it would be the right thing to do.

Jeezitneverends · 23/07/2025 07:11

OnlyMabelInTheBuilding · 23/07/2025 07:08

I will likely have a sizeable inheritance. It’s all going to my joint DC with DH. I am not leaving anything to DSC. They have their own parents to inherit from. It won’t be anything like mine, but that’s life.

Totally agree with this. Stepchildren could potentially be inheriting from 2 parents PLUS 2 step parents. Hard no for me

BlueMum16 · 23/07/2025 07:11

OnlyMabelInTheBuilding · 23/07/2025 07:08

I will likely have a sizeable inheritance. It’s all going to my joint DC with DH. I am not leaving anything to DSC. They have their own parents to inherit from. It won’t be anything like mine, but that’s life.

You would need to own the house outright and then leave a clear Will stating your DP could lift there until death/meets someone else (so his home is protected) but when the time comes it is sold for your children to inherit.

Lafufufu · 23/07/2025 07:11

Rabbitsockpeony · 22/07/2025 23:59

No I wouldn’t. They have two parents. Your children deserve what you have to leave.

This

BlueMum16 · 23/07/2025 07:09

Rabbitsockpeony · 22/07/2025 23:59

No I wouldn’t. They have two parents. Your children deserve what you have to leave.

Agree.

If you had more of a relationship, 50:50 care or even EOW then you may want to do something but in the circumstances you describe i wouldn't consider his DC as your SDC.

HeyHowYouDoing · 23/07/2025 07:08

Bananarama2000 · 23/07/2025 00:45

If you are buying a house together (regardless of input) then surely that would be split between you and your DP. At which point he can split his percentage between his children and you can do likewise for your own.

So if I paid 100% of the house, bills, maintenance etc you would expect half of that to belong to my DP?

OP posts:
OnlyMabelInTheBuilding · 23/07/2025 07:08

I will likely have a sizeable inheritance. It’s all going to my joint DC with DH. I am not leaving anything to DSC. They have their own parents to inherit from. It won’t be anything like mine, but that’s life.

HeyHowYouDoing · 23/07/2025 07:04

Gabitule · 23/07/2025 00:09

Are you currently renting or do you have a house with a mortgage which you will pay off in full when you get your inheritance?
If the former, I would not leave anything to DSC. If the latter, your partner would have a share in the house (assuming you currently both contribute to the mortgage) and he should split his share between his 4 children.

Yes currently renting.

OP posts:
HeyHowYouDoing · 23/07/2025 07:04

Enough4me · 23/07/2025 00:03

Why will your DP not have much to leave his older DCs?
Is he paying a lot on family bills now or hobbies, debts?

We’re late 40s MW jobs. His money pays CM, debts and day to day costs. When CM stops he’s going to have to start saving for his retirement.

OP posts: