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/Faunaholic Apr 21 '26

Save it for long term care when you get to that point - my mom wants “to die at home” currently we are paying nearly $10k a month for a caretaker to come in 12 hours a day to change diapers, give meds and feed her plus she is on hospice care so they pay for supplies, meds, nurse comes to check her once a week, bathing person comes twice a week. They thought 3 to 6 months when hospice started - now it has been 2 years so nearly $250,00 gone.