Please or to access all these features

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:
InterIgnis · 11/08/2026 18:05

WiddlinDiddlin · 11/08/2026 16:00

What if the DH's own children are 'hurt' by their father being anything less than actively hostile towards OP's children?

What if no amount of normal, kind behaviour is OK with them?

It sounds as if the DH's eldest wants to ensure OP and her children do not benefit in ANY way from being with his Father - and that simply isn't possible, he's married to their mother, he lives with them, they share the same roof, same food, same heating and lighting and transport..

The level of invention and fiction on this thread is incredible - another PP has confidently stated the deceased FIL absolutely wanted the income from this trust to benefit his grandchildren exclusively - but they have NO idea if that is actually the case!

Perhaps he wanted his offspring to have an assured income for life, and assets to pass to children.

Perhaps he wanted his offspring to have enough to gamble on the gee-gees or keep a mistress - we do not know.

What we DO know is he did NOT put the assets into a trust to pay the income directly to the Grandchildren... by-passing the parents. So it is safe to assume he was happy with his children spending this income as they see fit. Which is what OP's husband is doing!

That would be something the DH would need to face in order to make whatever decision he would be most prepared to live with the consequences of.

It may be that hurting his marriage is more acceptable to him than hurting his children, or vice versa. Only he can decide that.

Greyhoundsmittenlady · 11/08/2026 18:00

As I see it your husband can spend his income from the assets on whatever he chooses to, it's the same as any other income he gets. So no, nothing to scrutinise or claim back. His children are only entitled to their share when the assets are sold, at a future date, as an inheritance.

InterIgnis · 11/08/2026 17:56

MsSquiz · 11/08/2026 17:44

Where does it say that the son is missing out on anything because the OP’s child went on a ski trip?!

It’s not about whether the ski trip is easily affordable, or if he’s missing out or not, it’s about his father taking on a parental role for unrelated children.

MsSquiz · 11/08/2026 17:44

Angelyogini · 11/08/2026 16:00

Yet we know intergenerational wealth is almost a sine qua non nowadays in order to get you pretty much anywhere.

Sickening that an first-marriage child has to suck it up and be labelled as entitled for not wanting DSC getting free skiing trips instead of him.

Honestly second families are so distorted.

Where does it say that the son is missing out on anything because the OP’s child went on a ski trip?!

DiscontinuedModelHusband · 11/08/2026 17:42

i think the SCs need reminding, gently, that there is no inheritance currently, as DH is still alive.

he should also regularly tell them he plans to donate his fortune to a donkey sanctuary anyway - whatever it takes them to catch on.

or he should scrutinise their purchases, and complain they're spending his grandchildren's inheritances...

MsSquiz · 11/08/2026 17:39

FancyBiscuitsLevel · 11/08/2026 15:46

But children going off to university do need to know their parents income if they are applying for student finance.

Morally OP your dh is in a very poor situation if the deal was he got the profits of the business his DCs inherited with the understanding he would spend that money on them. I’d say half of that money should go to dss1 for funding uni and other half in savings for his dc2 (or go in boosted maintenance to his ex), and you and your dh live off your joint income. Not the income from the business the various grandchildren own.

Knowing their parent’s income for a form and asking to see their parents finances and wanting to be reimbursed for money spent on others following a parent’s death are 2 very different things…

saraclara · 11/08/2026 17:36

Angelyogini · 11/08/2026 16:37

Why doesn't she pay for her own child's skiing trip then?
Also why would she mingle in the finances of her DH? (Money that is not hers or her children's, but still she feels entitled to as it subsidies her way of living).

She was saving for it, but couldn't reach the amount in time. That's when her husband stepped in.

Most married couples combine their income. OP has not done that. If she was the gold digger that you think she is, surely she'd have pushed to combine finances and spend her DH's money freely?

Nope, I can't see anything in her behaviour that should lead anyone to think that she's taking her DH for a ride. So there's something that's either consciously or subconsciously, making a surprisingly large number of posters take against her.

Maybe it's just that she's a stepmother. Or maybe it's something else.

LakieLady · 11/08/2026 17:35

bellventrico · 11/08/2026 15:15

He's a cheeky fecker - no way should your DH countenance this - his money is his to do with what he chooses. At best SS should be informed how the almost trust might operate following your DH's death. Other than that he should be told that by DH that he doesn't intend to provide any insight into his foamces until he is 75+. He should also be reminded that nothing at that stage should be taken for granted as care needs etc will be a moving target.

You're spot on about taking nothing for granted.

A friend's (very wealthy) DF had an affair with his secretary, left her mum, married the secretary and had a third child with her. He always promised friend and her brother that they would be well provided for on his death.

He was in the early stages of dementia when he died, and his last will left everything was left to the second wife, bar his telescope, which friend inherited, and an antique orrery which went to her brother. The expensive flat and what was left of the proceeds from the sale of the £2.5m house, plus all his investments (which were considerable) were left to the second wife. The gross value of the entire estate was well in excess of £5m.

Friend and her brother got advice about challenging the will, but were told that the chances of success were less than 50/50 and that the costs would be huge.

summersolsticesoon · 11/08/2026 17:30

Some discretionary trusts would actually allow a wide range of family members to access funds, regardless of any letter of wishes and the trustees would make final decisions x wives , stepchildren and various family members might access money based on their need.

SS will Inherit the capital on his DF s death and until that time he should not question his DFs spending.

Isitevensummer · 11/08/2026 17:23

Spot on @WiddlinDiddlin ! I was about to post to point out that we have no idea what grandfather intended but if he wanted to put more restrictions on what tge money could be used for he would presumably have been offered that option when things were drawn up.

there is a balance between making children your priority and dancing to their tune.

Ceceprincess80 · 11/08/2026 17:14

Is it from a student finance point of view for university? Or are they just being an entitled 🔔 ?

Another2Cats · 11/08/2026 16:52

Angelyogini · 11/08/2026 16:37

Why doesn't she pay for her own child's skiing trip then?
Also why would she mingle in the finances of her DH? (Money that is not hers or her children's, but still she feels entitled to as it subsidies her way of living).

"Also why would she mingle in the finances of her DH?"

Are you really asking this question?

Why? Well, that is a very normal thing indeed for married couples to do. In order to pay bills and spend money on things (such as holidays etc).

Another2Cats · 11/08/2026 16:45

FancyBiscuitsLevel · 11/08/2026 15:46

But children going off to university do need to know their parents income if they are applying for student finance.

Morally OP your dh is in a very poor situation if the deal was he got the profits of the business his DCs inherited with the understanding he would spend that money on them. I’d say half of that money should go to dss1 for funding uni and other half in savings for his dc2 (or go in boosted maintenance to his ex), and you and your dh live off your joint income. Not the income from the business the various grandchildren own.

"But children going off to university do need to know their parents income if they are applying for student finance."

You're mistaken. For the purposes of the maintenance grant the Student Loans Company quite clearly says:

"If your parents are separated or divorced, we’ll use the income of whichever parent you’re financially dependent on, including the income of your parent’s partner, if they have one. This means we will not need income details from the parent that you’re not dependent on or have less contact with."

It is the income of the ex-wife (including any child maintenance etc) and that of any partner that the ex-wife is living with that is counted.

I presume that the DSS is living with the ex-wife.

Angelyogini · 11/08/2026 16:37

saraclara · 11/08/2026 16:14

In what way? She works, she earns, she has property that she receives the rental for, she pays her way as far as she can, and she normally pays for her child. Her DH turns out to earn more and have a larger or better located house than OP can afford. But she's shown no signs of taking anything for granted, or being a gold digger.

I still think that there are some responses like this the one I quoted above, that wouldn't have been made if OP hadn't said that she's from another country. It might be that SS's attitude is also built on that fact.

Edited

Why doesn't she pay for her own child's skiing trip then?
Also why would she mingle in the finances of her DH? (Money that is not hers or her children's, but still she feels entitled to as it subsidies her way of living).

Calliopespa · 11/08/2026 16:24

saraclara · 11/08/2026 16:14

In what way? She works, she earns, she has property that she receives the rental for, she pays her way as far as she can, and she normally pays for her child. Her DH turns out to earn more and have a larger or better located house than OP can afford. But she's shown no signs of taking anything for granted, or being a gold digger.

I still think that there are some responses like this the one I quoted above, that wouldn't have been made if OP hadn't said that she's from another country. It might be that SS's attitude is also built on that fact.

Edited

Yes, let's defend the op by making it xenophobic.

Nothing about the fact she has posted looking to elicit negativity about the DSS ...

Calliopespa · 11/08/2026 16:21

Angelyogini · 11/08/2026 16:00

Yet we know intergenerational wealth is almost a sine qua non nowadays in order to get you pretty much anywhere.

Sickening that an first-marriage child has to suck it up and be labelled as entitled for not wanting DSC getting free skiing trips instead of him.

Honestly second families are so distorted.

And the bit about the "rights and well-being of the parents" in the context of a dad who has moved on as he wished and is spending the money as he wished. Yet even being questioned is somehow an unbearable affront to his "wellbeing."

Honestly ... the distortion ...

saraclara · 11/08/2026 16:14

Angelyogini · 11/08/2026 16:01

The op mum sounds like an usurper to me.

In what way? She works, she earns, she has property that she receives the rental for, she pays her way as far as she can, and she normally pays for her child. Her DH turns out to earn more and have a larger or better located house than OP can afford. But she's shown no signs of taking anything for granted, or being a gold digger.

I still think that there are some responses like this the one I quoted above, that wouldn't have been made if OP hadn't said that she's from another country. It might be that SS's attitude is also built on that fact.

Angelyogini · 11/08/2026 16:01

The op mum sounds like an usurper to me.

WiddlinDiddlin · 11/08/2026 16:00

InterIgnis · 11/08/2026 14:09

Arguably his actual children should matter more to the DH than his stepchildren. If being ‘lovely’ to his stepchildren hurts his children, then it isn’t ’lovely’.

OP’s DH really doesn’t have the luxury of just dismissing his child’s feelings if he wants to have a good relationship, or have a relationship, with him.

What if the DH's own children are 'hurt' by their father being anything less than actively hostile towards OP's children?

What if no amount of normal, kind behaviour is OK with them?

It sounds as if the DH's eldest wants to ensure OP and her children do not benefit in ANY way from being with his Father - and that simply isn't possible, he's married to their mother, he lives with them, they share the same roof, same food, same heating and lighting and transport..

The level of invention and fiction on this thread is incredible - another PP has confidently stated the deceased FIL absolutely wanted the income from this trust to benefit his grandchildren exclusively - but they have NO idea if that is actually the case!

Perhaps he wanted his offspring to have an assured income for life, and assets to pass to children.

Perhaps he wanted his offspring to have enough to gamble on the gee-gees or keep a mistress - we do not know.

What we DO know is he did NOT put the assets into a trust to pay the income directly to the Grandchildren... by-passing the parents. So it is safe to assume he was happy with his children spending this income as they see fit. Which is what OP's husband is doing!

Angelyogini · 11/08/2026 16:00

FairCat · 11/08/2026 08:16

It has nothing to do with second family dynamics. Some on MN and in the wider world believe that their parent's assets already belong to them, and their parents are merely keeping the funds warm until the day they are inherited.

This delusion is driven by envy, entitlement, ingratitude and utter disregard for the rights and well being of their parents.

Any functioning adult with a shred of self respect will hope their parents enjoy all their wealth in their lifetime, hopefully a long lifetime. This child has every opportunity to build his own income and wealth, he would do well to focus on that.

Yet we know intergenerational wealth is almost a sine qua non nowadays in order to get you pretty much anywhere.

Sickening that an first-marriage child has to suck it up and be labelled as entitled for not wanting DSC getting free skiing trips instead of him.

Honestly second families are so distorted.

Calliopespa · 11/08/2026 15:57

FancyBiscuitsLevel · 11/08/2026 15:46

But children going off to university do need to know their parents income if they are applying for student finance.

Morally OP your dh is in a very poor situation if the deal was he got the profits of the business his DCs inherited with the understanding he would spend that money on them. I’d say half of that money should go to dss1 for funding uni and other half in savings for his dc2 (or go in boosted maintenance to his ex), and you and your dh live off your joint income. Not the income from the business the various grandchildren own.

And ok maybe DH decides this isn't how he wants to spend it, but the abuse directed at the boy for at least questioning it is OTT.

We don't know exactly the terms of the trust. but it isn't uncommon for trusts to specify a purpose for the distributions, especially in discretionary trusts.

ETA I struggle to believe the settlor's intention was to fund his son to fund OP and her dc. So, yes, there is a moral element to this, even if it slips through the legal technicalities on the wording.

sittingonabeach · 11/08/2026 15:57

I actually think where there are second marriages/long term relationships it is good idea to talk to existing DC, especially when they become adults, about finances. DH and his siblings knew that stepdad only had life interest in the house when he married MIL. He had come to the marriage with nothing. No other children. He died first so didn't end up being an issue

FancyBiscuitsLevel · 11/08/2026 15:46

But children going off to university do need to know their parents income if they are applying for student finance.

Morally OP your dh is in a very poor situation if the deal was he got the profits of the business his DCs inherited with the understanding he would spend that money on them. I’d say half of that money should go to dss1 for funding uni and other half in savings for his dc2 (or go in boosted maintenance to his ex), and you and your dh live off your joint income. Not the income from the business the various grandchildren own.

Calliopespa · 11/08/2026 15:45

the7Vabo · 11/08/2026 14:46

I don’t get why people don’t get it. It’s has nothing to do with people entitled in general, or other gifts to friends or whatever.

It’s not simple as oh well as long as DS gets support from his father it’s none of his business what his father does after that. He is his father and he’s living with two other kids. SS is going to have some negative feelings about that

i was very lucky to have two extremely devoted parents and I am a devoted parent. I think we underestimate how big it is to have your dad playing dad to other kids while you are growing up

i was very lucky to have two extremely devoted parents and I am a devoted parent. I think we underestimate how big it is to have your dad playing dad to other kids while you are growing up

I am never sure if they don't understand or defensiveness precludes them from accepting this.

But either way, it is perfectly natural for the DSS to have some negative feelings - probably bigger feelings than he fully understands - around this, and to then dismiss him as a grabby scrote is just beyond my comprehension.

His behaviour cannot be sensibly isolated from his family situation. This is, it would seem, the second thread (at least) OP has started complaining about him. Different if she were seeking advice as to how to help him, but instead she is seeking validation that he needs slapping down and putting in his place. That doesn't speak of a healthy dynamic for this boy to me - and I can see why he might resent her dining out on Grandad's estate because I bet his grandfather would not have liked to see these threads about his grandson, exposing him to the denigration that has been inflicted on him on this thread.

bellventrico · 11/08/2026 15:15

He's a cheeky fecker - no way should your DH countenance this - his money is his to do with what he chooses. At best SS should be informed how the almost trust might operate following your DH's death. Other than that he should be told that by DH that he doesn't intend to provide any insight into his foamces until he is 75+. He should also be reminded that nothing at that stage should be taken for granted as care needs etc will be a moving target.