trusts can be setup to have the kids take possession of the funds after turning 35, for an example. yolandos 发表于 2022-05-23 01:06
You need to guarantee the kids can live healthy to age 35. Never trust the morals of others. If you cannot believe people can be so evil, read the story of nine-day-man first.
You need to guarantee the kids can live healthy to age 35. Never trust the morals of others. If you cannot believe people can be so evil, read the story of nine-day-man first. 扛麦郎 发表于 2022-05-23 02:06
If the kid(s) pass before turning 35, then one would have fullfilled the duty. The funds can go to charity or go to the surviving spouse... If that spouse of the nine-day-man had setup an irrevocable trust to have half of the assets passed onto the kids when they turn 35 (with the right trustee/guardian and executor) then at least the kids will have an option to think what to do with the money when they turn 35.
If the kid(s) pass before turning 35, then one would have fullfilled the duty. The funds can go to charity or go to the surviving spouse... If that spouse of the nine-day-man had setup an irrevocable trust to have half of the assets passed onto the kids when they turn 35 (with the right trustee/guardian and executor) then at least the kids will have an option to think what to do with the money when they turn 35. yolandos 发表于 2022-05-23 07:43
You can suppose that a trust can solve all your problems. But people just need a normal life. If already not able to grow up mentally/physically healthy for years, then what can a (not much) amount of money solve?
You can suppose that a trust can solve all your problems. But people just need a normal life. If already not able to grow up mentally/physically healthy for years, then what can a (not much) amount of money solve? 扛麦郎 发表于 2022-05-23 08:00
Of course not. It only attempts to mitigate the problem. I was merely addressing the issue of immature kids taking on too much wealth by suggesting not turning the funds over until they turn 35. I was not even saying an irrevocable trust was a/the solution. You want to really solve that particular problem？ try not to die before your spouse then.
35也太晚了，孩子在需要钱成家立业的时候指望不上这笔钱。 pop 发表于 2022-05-23 12:22
35 is the number I use as an example and I think in this time and age is appropriate. I wouldn't think the surviving spouse would just abandon the kids.
35 is the number I use as an example and I think in this time and age is appropriate. I wouldn't think the surviving spouse would just abandon the kids. yolandos 发表于 2022-05-23 17:07
I used to think not. But later I realized this is not the case, such as the surviving spouse is stupid and quickly finds a new bitchy spouse, then he/she cannot control any more. I even heard the case that the surviving spouse died soon later, feel free to imagine how he/she died. Anyway, we ordinary people don't have much money, we just need more meaning in life. If we knew in advance that our meaning to others was only this small trust, we might not want to continue living. This is really scary stuff.
I used to think not. But later I realized this is not the case, such as the surviving spouse is stupid and quickly finds a new bitchy spouse, then he/she cannot control any more. I even heard the case that the surviving spouse died soon later, feel free to imagine how he/she died. Anyway, we ordinary people don't have much money, we just need more meaning in life. If we knew in advance that our meaning to others was only this small trust, we might not want to continue living. This is really scary stuff.
扛麦郎 发表于 2022-05-23 17:54
Life is no fun if you have to guard against all these extreme cases, my friend. tough luck if you married a no human.
Life is no fun if you have to guard against all these extreme cases, my friend. tough luck if you married a no human.
yolandos 发表于 2022-05-23 18:14
Life doesn't be more fun by imagining that bad things can only happen on others. The kids can meet another nine-day-man after they get the trust money at age 35. Just put more effort on education rather than the trust. And be brave to tell them the worst story.
Life doesn't be more fun by imagining that bad things can only happen on others. The kids can meet another nine-day-man after they get the trust money at age 35. Just put more effort on education rather than the trust. And be brave to tell them the worst story. 扛麦郎 发表于 2022-05-23 20:03
死前离婚啊。or 就同居然后财产一直对半。
而且对你配偶也不公平吧，除非你们对等，男方去世那一半财产都给孩子不给你。
也许是他先去世，你也可以再嫁
对普通家庭现金不是大头 大头是retirement account + 房产 夫妻共有房产并不等同于简单的一人一半 所以非常非常难做到越过配偶孩子直接继承
夫妻财产是夫妻共有的，一方死了就是另一方的；孩子是夫妻双方的责任，一方死了就另一方全责。
若是这一点没有共识，不如离婚分钱走人。你自己那一半财产你想给谁给谁，孩子要么出钱要么出力，一人一半责任养着。
你说的这种普通家庭买保险就可以了。很简单的事。
大妈不差钱，主要是怕自己挂了，攒了一辈子的积蓄给小三拿了，死不瞑目。 买保险也没用，life terms全给小三享用，更亏。
所以只能尽早建立irrevocable trust，保证遗产以后直接给子女，小三不能碰。 但又怕钱都拨拉进trust，自己积蓄不够，得了病没有好好治、挂得更快，让老公和小三更早团聚。
总之都是坑，最好是别结婚，去当别人家的小三，吃现成的。
别这么说孩子
trusts can be setup to have the kids take possession of the funds after turning 35, for an example.
不是钱的事 很多人是意难平 比钱还难治
我是回复你“没现金”的解决方案就是买保险啊。 等死了“有现金”了，爱给谁给谁呗，不存在“不能分”“难继承”的问题啊。
你没明白我的意思 隔壁帖子气愤的不是没钱 这个好解决 是不能把财产（尤其是非 cash的那一部分）越过配偶给孩子继承 就算有保险 房子也没辙啊 说白了 人的目的不是养孩子 人的目的是防下一任
You need to guarantee the kids can live healthy to age 35. Never trust the morals of others. If you cannot believe people can be so evil, read the story of nine-day-man first.
还真是。
做成tenants in common 这个就是每人各占50%，或者其他比例，你们自己商量。对自己的这一份可以立遗嘱，愿意给谁给谁。
你没明白我的意思。 我说了啊。有很多现金就可以给孩子了啊。没现金就买保险留给孩子啊。都给孩子了，气啥？比如你家有1000万，你买500万保险不就可以了吗？难道你要把每分钱都给孩子吗？不合适啊，还有500万不是你的钱啊。 隔壁纯挖坑吧，住豪宅不写遗嘱，你信吗？我反正是不信的。
If the kid(s) pass before turning 35, then one would have fullfilled the duty. The funds can go to charity or go to the surviving spouse...
If that spouse of the nine-day-man had setup an irrevocable trust to have half of the assets passed onto the kids when they turn 35 (with the right trustee/guardian and executor) then at least the kids will have an option to think what to do with the money when they turn 35.
You can suppose that a trust can solve all your problems. But people just need a normal life. If already not able to grow up mentally/physically healthy for years, then what can a (not much) amount of money solve?
比较省钱的办法是自己好好活着，活到娃18岁以后，直接把财产转给娃。
哈哈哈，感觉你的plot twists好多啊，写得太好玩了
请教一下，如果配偶不同意的话，怎么转给娃？
35也太晚了，孩子在需要钱成家立业的时候指望不上这笔钱。
+1 活过对方才能笑到最后
光说没用，得能做到
你在说真的？几个毕业生做起薪10万的工作？
你没明白大妈的意思，假设家里有1000万资产，大妈又买了个500万的人寿给娃，挂了后娃能拿到500万，大妈的老公和新妇还是能有1000万的资产。所以意难平
很多刚毕业的学生起薪就是10万左右吧，不是每个娃都是起薪很高的。我知道的有的刚毕业的大学生去meta 可以20万，但是大多数肯定没有。
再说我的重点不是起薪多少，是孩子很年轻拿到了一笔很大的遗产（相对于毕业可以拿到的工资），很有可能没有incentive 去工作。譬如有500万遗产，就懒得干10万年薪的活。长久来看不是好事。
说老实话，反过来像乔布斯那样，一生奋斗，身价亿万得了癌症还拼命干活，多挣了好几十亿，买了艘好几亿美元游艇一天没用过，死了半年老婆就带着几十亿资产和清新的小狼狗坐游艇开开心心享受生活怎么办？这是不是版上大妈们的Dream life？
那只能买1000万平平意气了。
很正常啊。人都是会变的。可能在世时很好。有新欢就变了，就对孩子不好了。
正解。我觉得能这么想的都是很理智同时又自理能力强的，而且对孩子很负责。如果是我outlive，我肯定这样。但不能要求指望对方也这样。同时生活也会有很多不可控因素。如果我先去世，无论是生病还是意外之内的，也不是不给配偶留钱，真的就是想防止遇到狠心的二妈，侵蚀我孩子的利益。这个是我问这个问题的初衷，觉得得在一定程度上保证我孩子的利益，才能死的瞑目。
这个结构看着不错。我去研究下。谢谢！
Of course not. It only attempts to mitigate the problem. I was merely addressing the issue of immature kids taking on too much wealth by suggesting not turning the funds over until they turn 35. I was not even saying an irrevocable trust was a/the solution.
You want to really solve that particular problem？ try not to die before your spouse then.
35 is the number I use as an example and I think in this time and age is appropriate. I wouldn't think the surviving spouse would just abandon the kids.
什么狗屁理论？ 出嫁从夫，夫死从子吗？
我给谁结婚，我妈都管不着，什么时候轮到孩子插嘴了？
这说得有理有据有节。
楼主发帖语焉不详，更像挖坑。
I used to think not. But later I realized this is not the case, such as the surviving spouse is stupid and quickly finds a new bitchy spouse, then he/she cannot control any more. I even heard the case that the surviving spouse died soon later, feel free to imagine how he/she died.
Anyway, we ordinary people don't have much money, we just need more meaning in life. If we knew in advance that our meaning to others was only this small trust, we might not want to continue living. This is really scary stuff.
有道理，还是你脑子快
Life is no fun if you have to guard against all these extreme cases, my friend.
tough luck if you married a no human.
和自己能力不匹配的大笔钱财，始终是个祸害，当心人身安全。
“同居然后财产一直对半”
这个法律上怎么操作？？
Life doesn't be more fun by imagining that bad things can only happen on others. The kids can meet another nine-day-man after they get the trust money at age 35. Just put more effort on education rather than the trust. And be brave to tell them the worst story.
you are also going into extremes...