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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Step children and inheritance

181 replies

WineBeforeWhine · 06/02/2026 08:43

I have two step children who were adults when I married their dad. We then had two children. My parents left me considerably more which went into the family pot while we were married. My husband died and I was left everything. I’m now having to redo my Will. My question is should all four children be treated equally or is reasonable to leave my own children a higher percentage of my estate something like 20% for the stepchildren and 30% mine? I’m struggling to get it right.

OP posts:
WearyAuldWumman · 06/02/2026 14:51

Given that your step children were adults when you married and they'll be inheriting from their parents, I'd say that you should only passing on a portion of your husband's estate, not yours.

Barnsleybonuz · 06/02/2026 14:49

NeverSeenThatColourBlue · 06/02/2026 14:19

A's parents separate and each have another child.

Parent 1 & partner have £200k split equally between A and B
Parent 2 & partner have £200k split equally between A and C
A gets £200k
B gets £100k
C gets £100k

You think that's fair?

I do because the only thing that matters is how you treat the children in your own family. The children’s other family is irrelevant in that case. Yes they may get from both families or not but it’s how the children of that family are treated and considered by the parents of that family

ParmaVioletTea · 06/02/2026 14:48

toomuchfaff · 06/02/2026 08:47

Your step children will have another parent, another set of grandparents.

I would give your step children a representative amount that considers their dads contribution (consodering they have another side of the family). And your own children I would give a higher percentage because its to represent both their parents.

This.

You give your SC what they would have got from their father.

Isekaied · 06/02/2026 14:43

sittingonabeach · 06/02/2026 10:15

@WineBeforeWhine but he could have left it in life interest, which is very common in blended families. So you would have somewhere to live and live on, but guaranteed a share for his DC from first marriage

But he didn't.

If he ared enough he would have done that and ensured his older kids got an inheritance instead he left to his second wife to sort.

So it's up to her how much they get.

Beat op can do now is make sure she's got a will. And then not marry any one else ever- otherwise there's a chance none of the kids will get anything.

Mithral · 06/02/2026 14:43

Isekaied · 06/02/2026 14:36

He didn't screw them over by getting remarried- he was allowed to love his life. And no one is owed an inheritance.

Though he should have made arrangements for his older kids in a will- though if most of his assets are tied up in the house it can be understandable that he didn't want his second wife and other kids thrown out so his older kids can have an inheritance.

Aren't you agreeing with the post you're quoting - both of you are saying he should not have left his children out of his will. Which is a very reasonable position.

Isekaied · 06/02/2026 14:36

berlinbaby2025 · 06/02/2026 09:36

Your husband has really screwed over his children from his first marriage.

I agree. What kind of father leaves his kids fuck all in his will?

Anyway - I'd leave it as it is now with most of your estate going to your kids and the remainder to the step kids. I wouldn't factor in their mum leaving them anyything - an inheritance is never guaranteed.

He didn't screw them over by getting remarried- he was allowed to love his life. And no one is owed an inheritance.

Though he should have made arrangements for his older kids in a will- though if most of his assets are tied up in the house it can be understandable that he didn't want his second wife and other kids thrown out so his older kids can have an inheritance.

WorstMomInTheWorld · 06/02/2026 14:32

WineBeforeWhine · 06/02/2026 10:06

This seems the way forward. We were married over 40 years and during that time the money was ‘ours’ not either his or mine.

In this case split it evenly.

DH had much more when I met him, we built a lot together but then I have a bigger pension and inheritance, all money joint. I have two children he has one. My ex is a wanker but a wealthy one but the elder one of mine has refused contact since aged 7 and the court took away his parental rights. This means youngest will inherit about a million plus. It is their choice what to do but we said don’t fall out over money. Sibling can’t expect money from father - as has no contact etc and no expectation on receiving it. If one inherited and the other didn’t I am 100% certain they would not fall out with each other. I’m likely to inherit again within ten years - and it will probably be a lot about 2 million - if I do get it - and again I won’t be disappointed if I don’t get it - we will split it 4 ways - 1/4 to each child and then 1/4 for us. Hopefully that then gets past to their children if and when they have it.

we have been very open an honest and said everything of ours goes 3 ways. I love his as much as mine even though I met him post 18 and his mum is not around. We discussed it with them and they were happy with a three way split. My husband’s adult child is likely to inherit from my husband’s parents and get everything although my mother in law said she has written my two into her will there is no expectation and that’s lovely of her. We are very open and honest about money.

Isekaied · 06/02/2026 14:32

upstairsdownstairscardboardbox · 06/02/2026 08:47

I would have thought that your children would get 1/2 your estate each and 1/4 dads and step children 1/4 days so all things being equal then your DC get 37.5% each and his get 12.5% each. But I appreciate I do not have all the facts and if their mother has never been in the picture etc things might be very different in reality.

I think thats wrong

If op has brought in 1 million into the marriage and her husband had 100k.

The step children should be entitled to 12.5 of the whole estate.

I would work out how much your husband share was and then give 1/4 of that.

Or work that out as a current percentage of your assets.

So your husband assets were worth 10% of the total. They would get 2.5% of the total assets each.

NeverSeenThatColourBlue · 06/02/2026 14:19

Barnsleybonuz · 06/02/2026 11:53

I also strongly believe that saying they’ll inherit from the other parent is utterly irrelevant, that’s nothing to do with you.

A's parents separate and each have another child.

Parent 1 & partner have £200k split equally between A and B
Parent 2 & partner have £200k split equally between A and C
A gets £200k
B gets £100k
C gets £100k

You think that's fair?

IAmAHomewardBounder · 06/02/2026 14:16

Do you get on with the stepchildren and if you hadn't had any children with your DH would you have left money to the stepchildren regardless? If so, upping your amounts to 30% to yours and 20% to the stepchildren seems fair to me if it's what you're thinking anyway. It's nice that you want to be fair with them all.

SamPoodle123 · 06/02/2026 14:06

I would give your inhertance from your parents to your dc only, as your parents do not have relations with your step children. I would then decide depending how close you are how much (if at all) you want to give step children of your own money. And as for the dads, I would give them their fair share of course of what is left of what was his.

BIossomtoes · 06/02/2026 13:57

I have three adult stepchildren and one of my own. We have mirror wills leaving them 25% each. As a pp said your husband’s really screwed his first children over @WineBeforeWhine.

Silverbirchleaf · 06/02/2026 13:53

WineBeforeWhine · 06/02/2026 08:52

Yes good point about getting the solicitor to say why it was done that way in the Will. I hadn’t thought about that.

I was thinking the same. Otherwise there could be some resentment.

Also, ensure that any heirlooms that belong to the adult children (ie, ornaments, artefacts, pictures etc) get passed to them, rather than put in the family pot. Similarly, precious stuff which was purchased since the marriage and belong to your children, gets passed to your children.

Sorry for your loss.

RB68 · 06/02/2026 13:50

you can leave them whatever you like. But as others have said leave a letter or note with solicitors if they hold the Will as to how and why calculated like it is so that it is less challengeable. To be honest they are not "entitled" to anything but fairer to leave them something as Dad never sorted it.

blackpooolrock · 06/02/2026 13:48

WineBeforeWhine · 06/02/2026 10:31

We had discussed this before he died. Had agreed on 12.5% and 37.5% but I’m thinking I’ll increase the % and wanted others opinions.

Why would you change what he discussed and wanted? Sounds like you're making things overly complicated.

MissNowt · 06/02/2026 13:47

FatLarrysBanned · 06/02/2026 08:46

I think it's fair that your children get more, this is their inheritance from mum and dad, whereas presumably your step children will also inherit from their mum?

Sorry not relevant to the post but your user name is brilliant!

Mistymagic77 · 06/02/2026 13:41

Is there any sort of mirror will between your husband/his ex wife? We have these to prevent exactly this situation in the future.

FriedFalafels · 06/02/2026 13:40

OP, the original will holds a lot of logic with the % calculation. You’re actually being more generous to your step children and increasing their share potentially with this will review. Yet some posters can’t grasp this and actually giving you grief for this

Scarlettpixie · 06/02/2026 13:30

Just to add, I haven't based my will on what the recipients have or are set to have/inherit from others.

viques · 06/02/2026 13:27

Whatever you decide OP please sit them down and explain the reasoning. you sound as though you are trying to be fair so I am sure they will accept your plans, but it is better they know now rather than reading it written coldly in your will.

You might also consider how the bequest will be worded in case one of them dies before you. Will you leave their share to their children, or to their sibling if they have no children, or will their share revert to the estate to be shared among the remaining sibling and your children, or just to your children.

Scarlettpixie · 06/02/2026 13:26

I think seeing as you and your husband were married a long time, had joint finances and left everything to you when he died, you should probably split the pot equally between all the children. I know the step children might also inherit from their mother but equally they might not. You can only control what is yours to control and I think in your shoes I would treat them equally.

LancashireButterPie · 06/02/2026 13:25

I would split it equally.
However why don't you talk to them about it?

LovePoppy · 06/02/2026 13:20

OP, do what you feel is best.

What I don’t understand is why people are bringing up what the step kids will inherit from other people. What does that matter? Would their father have given them less because they were getting an inheritance from others? I shouldn’t think so. What each person leaves in a will should not taken into consideration what somebody might get from somebody else.

BerriesAlmonds · 06/02/2026 13:15

Your half of the estate goes to your two children. The other half (your husband’s) is split between his four children.

Oriunda · 06/02/2026 13:10

I don’t even have a SC; my husband’s will leaves a life interest in our house to me, reverting to our son on my death or if I remarry. The bulk of the remaining estate including cash is left to our son. I would have the right to sell the house and buy a new property, again with a life interest with the benefit for my son. This is my mind is right and proper; I would want my money to go only to my child. DH is from a ‘Napoleonic law’ culture where children cannot be cut out of the wills.