Anonymous wrote:I have a kid with neurodivergence who may have difficulty finding jobs and a kid with chronic medical needs (but who is highly functional intellectually). I will set up a trust fund in case either of them cannot support themselves in the future, because of their conditions. What's nice is that they both get it. They get along great, and they understand that sometimes funds need to be diverted more to one than the other. They lived this as kids, in fact. We spent a small fortune on my son's needs then my daughter was diagnosed with her medical condition and we had to factor in those costs.
I suggest you ask them about their finances and share information on yours, for maximum transparency. This is what I've done, and this is what my MIL has done for her kids, so that everyone can weigh in and be clear as to distribution. When my husband and his siblings disagree on how the money should be used, MIL makes an executive decision that they all have to accept. Somehow, it works, because everyone's reasonable. I think my kids and I are reasonable, too.
This is different. If anything, you are preparing them because it is possible that someday you'll both be gone, and one of your children will assume responsibility for your special needs child and their trust.
I think parents should aim for neutrality among able kids. There are usually hard feelings when parents give more time or money to one child. It harms your relationship with your other kids and their relationship with each other.