What do I need to do to support DS2 in the event of my death?

[Pointyleaf]

2 DS now 25 & 23.

DS1 is living away from home in rented accomodation with a lovely girlfriend and a good job.

DS2 is a bit of a failure to launch situation, caused in part (IMO) by lockdown coming for him in the transition period between childhood and adulthood, and his father's traumatic illness and death also falling in that period. So DS2 still lives with me. He's a reasonably functioning adult at home, happy to help with chores and diy etc, works regularly in a minimum wage job, but hardly ever leaves the house except for work. Very very introverted. He always was but has gone right inside himself since his Dad's death.

If I die, they do well financially with a very significant sum each. To realise that, the house will need to be sold.

I don't want things set up so DS2 can stay indefinitely because DS1 is entitled to want his inheritance, but I also want to know DS2 has time, and support if possible, to find something suitable. He'll have the money, once the house is sold, it's dealing with the practicalities that worries me.

You need legal advice, a STEP solicitor is best placed to advise.

I would make it clear in my will the property must be sold but give a grace period of one year before it is marketed. Also leave a letter of wishes asking DS1 to help DS2 to use the money to buy a property.

In the meantime I would be helping DC2 to launch - start to talk about money matters e.g. paying bills, buying property etc. Not one big chat but drip feed over time. Also consider if counselling could help him.

For both DC there are guides you can use to plan ahead. For example LPAs, planning your funeral service e.g. hymns and readings, a spreadsheet of practical information e.g. electricity supplier, house insurance etc. plus a list of contacts. Google “ I’m dead it’s your problem now” as these books can help you work through the info they will need.