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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Stepchild wants to see finances and money spent on his stepsiblings.

786 replies

Greenhairedmonstor · 10/08/2026 12:45

My late FiL who I never met, left school at 15, fell into the right crowd while he was doing a labouring job and ended up with a little empire.

There is something in place that is not quite a trust. It allows SiL to choose to live frugally without working, and has enabled my husband and his brothers an income which supplements their incomes.

Their children will benefit after their parents’ deaths when whatever is in place will be dissolved.

My husband has his own business as well.

My stepchild is 18 and will go to university next month. I also have another stepchild who is 13.

The eldest has asked that now that they are an adult that they want to look at my husband’s finances. Essentially they want an account of any money that is spent on my children and they wanted my husband’s estate to be reimbursed from my share of the house when he dies.

Now Mumsnet always asks, no I was not the other woman, my ex meets more than his share of his financial responsibilities and I also work and rent out a house that I own in my home country that I will eventually return to. Husband’s ex is comfortable and I don’t believe this has come from her.

Inevitably my husband subsidises our life.

This has been a bitter blow to my husband and he doesn’t see how his relationship with his child(ren) will recover.

OP posts:
Calliopespa · 10/08/2026 15:32

Chenecinquantecinq · 10/08/2026 13:14

I don’t think this is the case. Potentially the grandchildren have inherited with the children having a lifetime interest. Very different scenario.

I think that is what it sounds like.

And it is hard to know with only the vague description of "like a trust but not a trust" but if it is a trust, the terms of the deed and the settlor's intentions will be decisive.

And even if the father is a beneficiary, that can come with strings attached as to what the funds are intended for.

The boy isn't wrong that his Grandfather's intentions should be honoured - and it isn't a stretch to think the terms don't provide for step-children to benefit.

People are quick to call someone a spoilt brat - especially if they are a "trustafarian - but I actually think it would be as bad for him to see his grandfather's arrangement not being honoured correctly.

But is impossible to say anything decisively without more detail.

ThatCyanCat · 10/08/2026 15:32

saraclara · 10/08/2026 15:17

OP has made it clear that it's the latter. This kid is clearly entirely selfish and irrational. If his dad comes down hard, he might well decide to go LC/NC with his dad, even though he's the one in the wrong. And his dad will be heartbroken.

No, I don't think she has been clear, or at least not explicit. There's talk of conflict and all that but I haven't seen anywhere where she's said the teenager has actually threatened to cut ties if this isn't done.

On a side point, I really dislike all the abusive name calling of an 18 year old from various posters.

PrizedPickledPopcorn · 10/08/2026 15:30

Ponderingwindow · 10/08/2026 15:09

If your husband isn’t siphoning off money, he should not have any trouble showing all interested parties copies of the accounts. The best way to handle these things is without attaching emotion to them. Keep the books open and transparent. Treat it like the simple matter of accounting that it is.

I have a similar setup from my mother that constrains my father. My father chafes at the arrangement too.

The Son hasn’t asked for details of the accounts for the asset. Those could indeed be open and transparent.

He's asked for his Dad’s personal spending. Which is not generally something people share with others.

TheOnlyWayIsIlford · 10/08/2026 15:29

OP - It sounds as if jealousy and bitterness about money being used to support your children has been going on for a while. (theatre tix incident et al)

This is an emotional issue, not just financial grabbinesss and your DH could have addressed it with his Dc earlier. But now is the time. to talk to them about their role in his life , will always support them, will not be leaving all his assets to you and your kids, yes, there may be a certain amount of mix and match about how the two of you spend money - but if he wasn't settled with you maybe he would be squandering all his cash on Porsches and gambling.

Has their Mum got a new partner?

Have you ever 'treated' them? Gone out for a meal as a family and they've seen you pay for their share? Bought them a birthday / Xmas present just from you / your dc? Given them a helping hand towards getting kitted out for Uni? (taken them to Ikea, bought them a wok?) i.e do they have any idea that the money flows in different directions, not just from their dad to you and yours?

What is your relationship with them like?

Fansonmaximum · 10/08/2026 15:28

‘Stepson wants to see finances and money spent on siblings’

I want to see the Great Wall of china and take a trip to the moon…

…there is a lot in life that we may want but wanting something doesn’t necessarily mean we can actually have it!

his dad needs to tell him that his spending is ab absolutely none of his business and to wind his little entitled neck back in.

wordler · 10/08/2026 15:27

Joliefolie · 10/08/2026 15:02

The OP said in April that she and her ex had been struggling to pay for an overseas school trip for her 11 yo DS, so DH paid for it. 17 yo DSS commented to the 11 yo that he was spending his inheritance. I imagine that is the extent of DSS' financial, legal and moral reasoning.

This convinced me that there’s a third party in play - 17 year old don’t talk about someone spending their inheritance. That’s some very odd phrasing that’s come from someone else.

Sparkletastic · 10/08/2026 15:26

It’s coming from a place of jealousy and insecurity. Your DH needs to have a calm conversation with his son.

allthemind · 10/08/2026 15:25

malware · 10/08/2026 14:04

I would just say sorry son, you don't seem to undertsand how it works. Our money is our money and we'll spend it how we like. You don't get any say in it and we're not accountable to your for it. I am not sure what gave you the idea your were.

We inherited money from FiL, not you. And we'll decide how it will be split among the children, if there's anything left.

Now you go and build a fabulous future for yourself where you don't have to think about our money. We know you can do it.

This is exactky wht I would say to the entitled 18y old. He needs a reality check.

UnbeatenMum · 10/08/2026 15:20

18yo is being staggeringly rude. He needs to understand that your husband can do whatever he likes with his money, both in life and in death if you're in England.

Pinkflamingo10 · 10/08/2026 15:17

There is more going on here. I don’t think it’s as straightforward as calling SS a CF.
he obviously resents his fathers new wife and her children. Specifically all of the attention and money they receive from his father. Which he presumably he feels should be for him and his brother alone. This has been festering for a while I would say.
he is going to uni now and wants to know where he stands financially- does he have money to self finance uni entirely, can he buy a flat or does he need to rent, does a need a student loan etc

FOJN · 10/08/2026 15:17

Greenhairedmonstor · 10/08/2026 13:58

InWithPeaceOutWithStress

I don’t know why you are confused. I talk about my children and how my ex meets his financial obligations. My SS is concerned when my husband spends money on them as he feels his and his sibling’s inheritance from their father will be diminished. This is separate to money generated from their grandfather.

This conflict is of course deeply upsetting to my husband who doesn’t want it to escalate. He can’t just tell his own child to mind their own business without some sort of backlash.

I think your husband can and should tell his child to mind their own business. The asset left to the grandchildren is intact (presumably appreciating in value) and the income generated is your husband's to spend as he pleases which could include investing it and bequeathing it to whoever he likes or spending it on cars and cocaine. I would explain this to the SS and tell him he will have no further information about your husband's financial affairs because it really isn't any of his business.

Your SS seems very entitled and greedy which means he's unlikely to flounce if he thinks he might lose inheritance from your husbands assets. It's hurtful to your husband but if he doesn't make a stand now he could find himself having to explain to his child about every penny he spends for the rest of his life. His son is young so hopefully he will mature but right now he seems like an obnoxious little shit.

saraclara · 10/08/2026 15:17

ThatCyanCat · 10/08/2026 15:14

Why would this be the end of his relationship with his children? You say he'd never cut ties, so you're saying the 18 year old would?

OP has made it clear that it's the latter. This kid is clearly entirely selfish and irrational. If his dad comes down hard, he might well decide to go LC/NC with his dad, even though he's the one in the wrong. And his dad will be heartbroken.

thestudio · 10/08/2026 15:16

I think your SS doesn't understand how the trust works.

Your DH gets an income from it while he lives, which will have been fixed or index linked. He can choose to spend that however he likes - hopefully your shared DC and the SDC are treated equally.

Whatever is left in the trust will be split amongst the SDC when your husband dies.

Until that point, your SDC have no interest in it, or in your husband's income or how he chooses to spend it.

They will hopefully inherit an equal share with your shared DC of whatever you have agreed 'belongs' to your husband only, when he dies.

Your own DC will have 'your' property split between them equally.

Aluna · 10/08/2026 15:14

Ponderingwindow · 10/08/2026 15:09

If your husband isn’t siphoning off money, he should not have any trouble showing all interested parties copies of the accounts. The best way to handle these things is without attaching emotion to them. Keep the books open and transparent. Treat it like the simple matter of accounting that it is.

I have a similar setup from my mother that constrains my father. My father chafes at the arrangement too.

Don’t be ridiculous. DH doesn’t owe his son open accounting, it’s none of his business.

Your example is a completely different scenario.

Wetcoatsandmudagain · 10/08/2026 15:14

😳 Well I would kick the bottom of his ladder and sit him on his arse a bit quick.
Nothing like money to bring out the worst in people sadly.

ThatCyanCat · 10/08/2026 15:14

Why would this be the end of his relationship with his children? You say he'd never cut ties, so you're saying the 18 year old would?

MalificentOne · 10/08/2026 15:13

His kids are money grabbing gobshites. Get your husband to draw up a will and cut them off nasty little sods. It is clear to see that all they care about is what they can get out of him - absolutely disgusting. I have an SIL like that.

Aluna · 10/08/2026 15:12

malware · 10/08/2026 14:04

I would just say sorry son, you don't seem to undertsand how it works. Our money is our money and we'll spend it how we like. You don't get any say in it and we're not accountable to your for it. I am not sure what gave you the idea your were.

We inherited money from FiL, not you. And we'll decide how it will be split among the children, if there's anything left.

Now you go and build a fabulous future for yourself where you don't have to think about our money. We know you can do it.

This.

CombatBarbie · 10/08/2026 15:11

Hmmmmm so he will inherit a substantial amount in due course and is quibbling over anything spent on your children.

Id be inclined to make a spreadsheet showing what had been spent on him and deducted from his share.

The will and its rights only involve the beneficiaries at the time. Your husband is more than entitled to leave his share of "the trust" to you and then you leave it to your children.

cupfinalchaos · 10/08/2026 15:11

This reminds me of when after dh and I got married, ss sent a message to his dad disapprovingly listing our expensive wedding venue, our honeymoon and the new car dh had bought himself.

euff · 10/08/2026 15:09

Can’t help but feel that if OP were a man the thread would have turned on OP rather than the stepson. And yes I do agree that it’s none of his business how his dad spends his income. I couldn’t imagine asking my parents about their spending and I’m nearing 50. Doesn’t mean that seeing your dad play happy families and splash the cash on a very lucky OP and her kids isn’t going to hurt and cause worry that she’s going to get a lot. Plenty of threads warn those with kids and assets to be careful of their kids losing out to the new partner. Yes I know the inheritance / trust assets are protected, what about anything else? I think of half the posters who had a parent leave a decent inheritance to a relatively new on scene partner they would be miffed/ hurt even if they acknowledged it’s not their business.

Constantinoodle · 10/08/2026 15:09

This sounds like manosphere bullshit, OP. Who does he think he is? And please don’t feed this nonsense by using words like “subsidise”-do not downplay your role in your marriage.

Tell him to do one.

Ponderingwindow · 10/08/2026 15:09

If your husband isn’t siphoning off money, he should not have any trouble showing all interested parties copies of the accounts. The best way to handle these things is without attaching emotion to them. Keep the books open and transparent. Treat it like the simple matter of accounting that it is.

I have a similar setup from my mother that constrains my father. My father chafes at the arrangement too.

Delphiniumandlupins · 10/08/2026 15:09

zaraza · 10/08/2026 14:08

Op, I can see how upsetting this can be to your husband. I think there are two separate issues here: one is the grandfather’s asset which will pass to the grandchildren upon the death of all the husband’s siblings? Is that correct? If that is the case one can argue that SS may be entitled to access information about it. What his categorically not entitled to is to get info or any say on how your husband manages his derived income from the asset and his other income from his business not he is entitled to any “compensation” in the future after your husband’s death to recoup any money spent on you and your children. As far as the law is concerned, your husband can will all his assets except for the protected one from GF to you, your children or anyone else totally bypassing his biological children.

I think this covers everything nicely.

SS seems to be confusing his father's income from the FiL's estate (the not-a-trust) and his father's income from his business. SS has no business seeing any details of the latter. I assume his father could show expenses for himself and his children which equate to the income from the not-a-trust but it is cheeky of the SS to ask for this. Also, it's currently the father's money and he can spend it how he wants anyway.

AlwaysExtraHot · 10/08/2026 15:07

Greenhairedmonstor · 10/08/2026 13:50

My husband or his siblings CANNOT diminish the assets but can spend the income generated.

My stepchildren know the terms of their grandfather’s legacy.

They both work hard as this RG university place demonstrates.

Someone picked me up on the use of the word subsidised. I can support both myself and my children however, like most people in a couple I live in an area of England and in a house that I couldn’t afford myself. I go on holidays that I might not otherwise be able to afford every year.

My elder stepchild is intelligent and I don’t believe he is being egged on by his mother.

Any money spent on my children like that ski trip and family holidays is resented bitterly. My aunty came over and took my daughter to a show. When she was telling her step-sibling about it the immediate question was who had paid.

Someone said my husband is eager to let his children go, this is absolutely not the case. He is terrified of losing the relationship. He supports them and SS will be supported at university.

My aunty came over and took my daughter to a show. When she was telling her step-sibling about it the immediate question was who had paid.
This person sounds insufferable.
I'd sit them down and lay out the details of how the money works in detail, as you have here, and tell them it is not OK to demand details of every other tiny financial thing your DH does.