I'm not leaving my kids with a dime. We live paycheck to paycheck. Unless I hit the lotto before I kick off, my life insurance covers 3 years of my salary. They will inherit our home, and will have to pay whatever debt my estate owes. I have prepaid funeral arrangements.

My kids aren't expecting to be loaded after I die. If they harbor secret fantasies of largesse, they are sadly misinformed.

Hopefully they will miss me and get on with the business of living, not have sour faces over their lack of inheritance.

Does your son know he's been dis-inherited? Was he ever expecting an inheritance? No 20-ish person I know spends a lot of time worrying about what will happen to dad's dough when he kicks off.

This sounds like a problem you as his mother find unfair, unfortunately the law says he can leave everything to his cat if he so desires.

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