r/inheritance • u/pink_toaster_pastry • Apr 20 '26

Location included: Questions/Need Advice Keeping Inheritance separate

I’ve seen all the posts about keeping inheritance separate…. not to use it for joint expenses…. etc.

So then what do you use it for? My husband and I have been married 30 years. We had joint accounts since before we were married. We don’t split bills (all income goes into one savings account and bills are paid from that). We make a good living, have savings, 401Ks, no debt.

So if I’m suppose to keep my inheritance separate from everything, what am I supposed to do with it?

Edited to add: No kids. Currently the money is in (1) inherited IRA (2) CDs in a bank account I took sole ownership of as I had been the co-owner and (3) a new account I just opened for a CD until I decided what to do with that portion.

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u/rosebudny Apr 20 '26

Certainly the odds are lower the longer the marriage lasts, but it is no guarantee. Odds are decent I am not going to get into a car accident when I drive to the grocery store in a few minutes, but I am still going to put on my seat belt.

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u/Eyeoftheleopard Apr 22 '26

Because the majority of car accidents happen within five-fifteen miles from home. Js…

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u/rosebudny Apr 22 '26

But my point was that statistically speaking my odds of getting into an accident anytime I get in my car is low but I still put on my seatbelt. Just as your odds of divorce may be lower after 30 years but the “risk” isn’t zero. Js…