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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Because their decision may very well be: to pay down the mortgage, fund the children's education ... anything. And something that might benefit both spouse. But the decision is -entirely- made by the one who inherited the money.[/quote]

This.  No one is saying that the inheriting spouse should be a miser - they shouldn't.  But the money should, at a minimum, go into a solo account for them.  Whatever happens with it after that, it's the ultimate decision of the inheriting spouse.

My wife stands to inherit a moderate sum, and it will be deposited in a separate account.  I expect we'll discuss what to do with it, just like we discuss all our financial decisions, and it will integrate into our overall financial plan, but it's still all hers.  Similarly, I likely will inherit a small vacation condo (worth far less than her likely inheritance), that will remain in my name.  That, too, will be integrated with our overall finances.

The people advocating for extremes on both sides (you have to commingle you have a strong marriage v. keep it separate and only use for the inheriting spouse and kids) are making this unnecessarily complicated.   [/quote]

I am pro-commingling in my case but don't think you HAVE to in order to have a strong marriage. But I do think setting up separate accounts in each spouse's name is actually marginally more complicated than just keeping things joint. Also, if there's no divorce, it never gets complicated.[/quote]

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