Husband's will.

[Skinnywhippet]

Bit of background- we are relatively young couple in our late 20s and recently started discussing wills. We decided to get a free one in May on the final fling website. I'm on the website doing mine and husband announces that he's leaving 10% of his money etc to charity, but not to worry he'll leave his share of our house to me. Cue me feeling a bit upset. I hadn't even considered leaving anything to anyone other than him. Yes, we have a house, but that has a mortgage on it and it would be tight for me to manage the payments plus everything else.

I know I probably am being unreasonable, but I always want to feel like I am everything to my husband and right now I feel a bit displaced. I don't feel I can say anything to him because it is a charity that he wants to leave the money to and me complaining would be unethical. The thing is, although this is just a simple, free will, I want it to last for at least a year and in less than a year we will be TTC. If the unthinkable were to happen when pregnant then I would hate to think that we were struggling because he didn't leave us all of his estate. Oh gosh I really am over sensitive. Help me p,ease but be gentle!

I haven't read the whole thread but the following occurs to me from your OP:

1 - it's lovely that your husband wants to do some good by leaving some money to charity. Sounds like a top bloke. Perhaps you could do the same and choose the beneficiaries together. And 10% of nothing is nothing so if there isn't much in his bank it won't be a lot.

2 - if you get life insurance you won't need to worry about the mortgage if one of you dies.

3 - you are both young so really I wouldn't worry too much.

Deckswabber, the OP's husband hasn't just left 10% of the cash in his bank a/c when he dies to charity; he's left "10% of his money (etc)" which sounds like 10% of his estate. This could be a real problem as if, for example, the house is held as tenants in common, the charity can force a sale of the family home in order to get their cut, and put the OP and DC out. Anything else he owns will also have to be valued and possibly sold at auction so the charity can get their 10%.

This is a massive issue for a family just getting by. They lose an income earner AND have to hand over 10% of family assets to a third party.

The partner does need to be careful about the order in which he places his requests within the Will. If the 10% to charity is placed as a gift within the Will, then it will be taken from the estate first .....possibly forcing a house sale etc if there are no liquid assets. 10% of the residue to charity would be taken as a % of the monies left after gifts have been settled, so if the house share is gifted to the poster (as indicated), then this would protect it to some degree.

I would reiterate notasaints point : dying intestate does not mean that everything automatically goes to your spouse - it depends on value of the estate, and children can be entitled to 50%.

It seems crazy to me not to get life insurance sorted now. If you had life insurance you would have all of the mortgage paid off and then 90% of his investments (which sound fairly substantial) would go to you. If it were me, I would prioritise that over the will.

Also, don't see why he should give all of himself and assets to you. He is making sure that you are financially ok and giving a small proportion to a cause close to his heart. If he had a mum or other relative that was financially struggling, he might have wanted to help them out. When you get married, you don't automatically become your partner's only priority. He sounds lovely to me.