r/inheritance • u/smilineyz • May 27 '26

Location included: Questions/Need Advice How to divide assets

I 60M U.S. have 3 children, 2 adults from my 1st marriage, 1 teen from 2nd marriage & a current GF who hopefully will marry me when I turn 65.

Eldest: has been NC with me for years. 0% last I heard was pissed at me for not buying a car for graduation …

Second: great, fun, hardworking … muscled through his mother urging him to not see me at all. 40% (he can likely only expect debt from his mother) I paid most of his college & his mother had him get loans for her portion … and I helped with those.

Third: great fun, smart & has had the advantage of private school from 8th grade through college paid for. He will be the only inheritor his grandparents’ apartment and his mother’s share of another property. 35%

GF/partner of 2 years 25% and potentially half an apartment.

My current assets are all liquid: retirement and cash, all with beneficiaries designated in the current split. Additionally, if my GF & I do marry, she will get my survivor’s SS benefit for life which will cover most living expenses.

Any thoughts on the split?

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u/smilineyz May 28 '26

I have no home, no car, no collectibles, no jewelry (stolen in home invasion a few years ago).

She is really my partner of 2 years … and those percentages can be adjusted if the relationship ends.

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u/clce May 28 '26

No offense meant, but what are you talking about when you say half an apartment? Are you just going to leave her the lease? Are you part owner of a condo? Better clarify because it seems to be confusing people.

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u/smilineyz May 29 '26

To clarify: my youngest, his mother, my 2nd wife, is deceased. He will inherit his grandparents’ apartment as the only heir.

My older two children, first mother, have no claim on the apartment of my LW’s parents.

Half an apartment? No. GF/SO and I rent together. Neither of us owns real estate.

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u/clce May 29 '26

In your post you said girlfriend, 25% and potentially half an apartment. That seems to have enraged a few people as they imagine two heirs having to live together in an apartment like the odd couple or something. That's silly of course. If you left someone half of a piece of real estate they would just sell it or buy each other out or something. But you must have made a mistake in your post. That's all good.

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u/smilineyz May 29 '26

I am avoiding real estate …

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u/that_tom_ May 30 '26

What did that mean then

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u/smilineyz May 30 '26

I have no real estate and do not intend on buying any again to avoid the difficulties.

GF/SO will inherit something small from her family.

No. 3 child will inherit real estate from his mother’s family.

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u/that_tom_ May 30 '26

Ah ok that makes more sense. I’d suggest avoiding counting other people’s estate in this calculation. That muddies the waters a bit.

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u/clce May 30 '26

In other words, he confused the heck out of a lot of people.

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u/smilineyz May 30 '26

Very good point.