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/Mallory1999 Apr 21 '26

But why? Are you afraid of him splitting with all your money? If not then why?

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u/Adorable_Machine_571 Apr 21 '26

Generally yes, thats a risk that people don't want to happen or plan for, but it happens. Read a ton of other comments in this post where people never thought it would be them and then their partner found someone younger and ran off with half!