Do not want SD getting my money if I die

[Preparefortheflaming]

I’m fully prepared to be flamed for this. I have an adult step daughter who doesn’t like me and the feeling is mutual. I have 2 DC with my husband. I stand to inherit some money from my parents eventually and I want to make sure that the money from my family does not pass through to my step daughter. This means if I die before my husband I think I need it to go directly to my 2 DC. Is that how it’s done? This is what I want and I don’t care for opinions on how wicked I am I just want to know how is best to do it. Thanks

It's both your money anyway imo if you are married. It's a joint asset.

It's not in law though. Inheritances can be kept separate to marital assets as long as they are not intermingled with the other joint assets. So if you use it to pay down the mortgage on a joint house, it becomes a joint asset then. Or if you put it in a joint account and just let it get mixed up with joint money, then it becomes a joint asset. However, if you put it in an account in your sole name and never use it for any joint purposes, then it's still yours, come divorce or death.