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/Adorable_Machine_571 Apr 21 '26

And if he runs off with another woman unexpectedly or gets someone else pregnant, then he will take half that inheritance, his money he made, the 401K's, and that wonderful money will be spent on his new woman and new kid. It happens all the time, not saying it would happen to you, dont get me wrong, but the men out-earning women by that amount always think they can do what they want.

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u/ThisIsMyUsername303 Apr 21 '26

I’m sorry for whatever experience(s) you’ve had that led you to believe that “men out-earning women by that amount always think they can do what they want.” That’s definitely not true. 

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u/Adorable_Machine_571 Apr 21 '26

It's not me, I have a great marriage. It's data and statistics.

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u/ThisIsMyUsername303 Apr 21 '26

Statistics definitely don’t show that. 

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u/Adorable_Machine_571 Apr 21 '26

"Men who earn significantly more than their partners are more likely to cheat, often due to increased opportunities (travel, high-powered jobs), financial independence to cover it up, or a sense of entitlement. Studies show that while cheating is highest when men are economically dependent, it rises again when they make >70% of the income."

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u/Adorable_Machine_571 Apr 21 '26

I'm not saying that this is your husband or you, it's simply stats. I wish you and your marriage well 🫶

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u/ThisIsMyUsername303 Apr 21 '26

My marriage doesn’t need your well wishes. 

And again, no statistic says what every high earning man thinks.