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DH feels financially responsible for our adult DC

418 replies

Femalefootyfan1 · 26/07/2026 15:09

I’m not sure if I’m the one being unreasonable or my DH so I’d appreciate some others opinions.
DH and I were having a conversation about our adult DC and he was saying how he feels financially responsible for them.
Our DC are all in their 30’s, one lives overseas, one is married with their own DC and one is single living in a property that we own mortgage free, paying us rent of around a third of market rental price.
We are already gifting them small sums each month and are actively seeking ways in which we can potentially minimise inheritance tax post 2027. Each of our DC’s have had financial support in the past and they all know that should the need arise that they need further help, we would look at how we could do that. We also help with regular childcare for our GC and health and location allowing, we would offer childcare for any future GC.
I disagree with DH on financial responsibility as they are all adults living independently, paying mortgage or rent, all working in good careers and managing holidays, bills, clothings, social lives etc and they all have savings too.
What do others think? Am I being unreasonable to suggest to DH that he should stop feeling so responsible or just let him continue to feel this way and I just keep quiet?
I should add, in case it’s relevant, that my relationship with our DC isn’t as close as the one DH has with them so I’m not sure if that’s clouding my judgement or not.
Of course I will always want to help them and be a support to them but I don’t feel we should be financially responsible for them in the same way my DH does.

OP posts:
blueshoes · 27/07/2026 20:53

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Highwash · 27/07/2026 20:52

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OlderGlaswegianLivingInDevon · 27/07/2026 20:51

Anyway

if it really only is 8% of his pension that you are currently giving to the adult children , then there is plenty of his 92% pension to afford lunches out / days out / 4 and 5 hotels if he chooses to spend it that way.

Not quite sure of the point of this thread when it was regarding 8% the way you wrote it one would have thought it was something like 75%...

Highwash · 27/07/2026 20:49

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Femalefootyfan1 · 27/07/2026 20:45

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Wow! Trawling through my posts to find what you can, no wonder many people slate this forum. It’s people like you who spoil it for others, that’s a shame because some people really seem to want to give good advice whereas you are purely out to prove a point.

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Highwash · 27/07/2026 20:41

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Highwash · 27/07/2026 20:41

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blueshoes · 27/07/2026 20:40

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Femalefootyfan1 · 27/07/2026 20:40

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I didn’t make out he didn’t, I knew I hadn’t said that in this thread so you’ve gone trawling through previous posts from another thread I’ve posted on to find it, too much time on your hands?
I’m not getting any further into this point, it’s not relevant and it’s becoming like you’re trying to point score and antagonise.

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Highwash · 27/07/2026 20:37

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Highwash · 27/07/2026 20:36

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Femalefootyfan1 · 27/07/2026 20:36

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Previous thread I’ve been on, how sad that you’ve gone trawling through my previous posts to prove a point.

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Highwash · 27/07/2026 20:36

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Femalefootyfan1 · 27/07/2026 20:35

blueshoes · 27/07/2026 20:27

I agree. Since your dh pays 25% tax having taken all the 25% tax free allowance, 8% of your monthly income is a pretty small amount, less £150 a month to each of your 3 dc.

Surely it is just a drop in your ocean. Not worth begrudging.

Why is the assumption being made that he’s cashed in his 25% allowance and how much goes into our joint account each month and how much we gift to our DC? I haven’t, other than the % supplied, given any financial information and nor will I.
All I’ll add to this reply is that I don’t begrudge what we gift them. Our lifestyle isn’t compromised, we’re happy to gift as it will benefit them particularly in the longer term.

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Highwash · 27/07/2026 20:31

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Highwash · 27/07/2026 20:30

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Femalefootyfan1 · 27/07/2026 20:27

OlderGlaswegianLivingInDevon · 27/07/2026 20:05

If you were to divorce, how much of this joint income would you actually get - considering he has cashed in on the lump sum from his pension and is also receiving his pension monthly.

Sorry, where on this thread did I say he’s cashed in his lump sum? That’s a bit of an assumption.
Another pp asked the question about divorce and joint income, in case you missed it, I responded that it’s not something I know because I haven’t to look in to that.

@Highwash it’d be nice if you read my previous responses to this question, which has been asked and replied to numerous times and always with the same answer.

The thread was about me wondering if IABU to not agree with my DH’s stance and would I BU to try to change it. I think I probably would be unreasonable to try to change it just because I disagree with it but a few pp on here have, by their helpful comments, made me see that I can look at it differently and it’s something that DH and I can discuss further as he may well have altered his thinking since we had the discussion. We haven’t had the chance to discuss further yet.

OP posts:
blueshoes · 27/07/2026 20:27

Fluffyscrubberdo · 27/07/2026 19:55

8% of our total monthly income

So 8% between a number of children is really not that crazy. I actually think it’s weird to begrudge such a small number.

2.5% of your income on each child and you’re making this whole big thing out of it?
I would really consider what it is about your children and your relationship that is making you feel like 2.5% of your income to help your children is something you have an issue with, particularly when you can’t really vocalise what the issue is.

To put it in context if your monthly income is £6k it would mean giving your child £150 a month each.

Edited

I agree. Since your dh pays 25% tax having taken all the 25% tax free allowance, 8% of your monthly income is a pretty small amount, less £150 a month to each of your 3 dc.

Surely it is just a drop in your ocean. Not worth begrudging.

OlderGlaswegianLivingInDevon · 27/07/2026 20:05

If you were to divorce, how much of this joint income would you actually get - considering he has cashed in on the lump sum from his pension and is also receiving his pension monthly.

Highwash · 27/07/2026 20:03

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Highwash · 27/07/2026 20:03

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Highwash · 27/07/2026 19:59

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Fluffyscrubberdo · 27/07/2026 19:55

8% of our total monthly income

So 8% between a number of children is really not that crazy. I actually think it’s weird to begrudge such a small number.

2.5% of your income on each child and you’re making this whole big thing out of it?
I would really consider what it is about your children and your relationship that is making you feel like 2.5% of your income to help your children is something you have an issue with, particularly when you can’t really vocalise what the issue is.

To put it in context if your monthly income is £6k it would mean giving your child £150 a month each.

blueshoes · 27/07/2026 19:49

EssCarGo · 26/07/2026 16:34

This sounds insane to me. You’re basically giving your adult children an allowance. I am pretty skint 🤣 but I don’t think I would enjoy being funded by my parents as an adult really.

Luckily, you are not, I gather.

Cherrytree86 · 27/07/2026 19:42

Velvetandleather · 27/07/2026 12:00

That’s a small amount to work in the context of most people and yes it is onky you who benefits from the better hotel room as your husband isn’t bothered by it.

is this another example of why you’re not close to your children? Do you prioritise yourself over them given half a chance? There is clearly a back story here that I’m guessing doesn’t cover you in any glory.

@Velvetandleather

oh FFS so what if it’s only OP who benefits from it?! She’s a person no less important than anyone else and yes that includes her offspring.