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Grandparents Save Money For Late Daughter’s Kids, Son-In-Law Loses It When He Finds Out

by Annie Nguyen
December 28, 2025
in Social Issues

Blended families can be complicated, especially when grief, money, and long-term planning collide. What starts as an attempt to protect loved ones can quickly turn into accusations of favoritism and secrecy once expectations are revealed.

In this story, a grandparent explains how the loss of her daughter led her and her husband to quietly plan for their grandchildren’s futures. The decision was deeply personal and intentionally kept private, but years later, that choice has caused serious tension with their grandchildren’s father and his new family.

Hurt feelings, arguments about fairness, and questions about obligation have now taken center stage. Read on to find out why this carefully thought-out plan sparked so much conflict.

A set of grandparents quietly built a financial cushion for their grandchildren after their daughter passed away

Grandparents Save Money For Late Daughter’s Kids, Son-In-Law Loses It When He Finds Out
Not the actual photo

AITAH for never disclosing to my grandchildren's father how much I planned to give my grandchildren toward their futures?

My daughter died when my two grandchildren were young.

My son in-law remarried and created a blended family of his/hers/theirs.

My husband and I knew our daughter had left some money

in a trust for our grandchildren's future.

But she was young when she died and didn't have a lot to leave them.

So we decided to make sure they would receive a very comfortable amount from us once they reached 18.

This was to help with college, or pay for a house,

or to allow them the ability to train for their dream careers. We never told our son in-law.

This was done so we would not be asked to split the money between all the children

and so our grandchildren would not be prioritized less by their father or his wife.

This money was not supposed to act as child support or money for the household.

It's for my grandchildren.

Our oldest grandchild graduated two years ago

and we gave her access to the money and she never told her dad.

Our youngest grandchild graduated this year

and was quick to set up a high interest savings account

and he made the choice to skip college to pursue a different path toward his career.

This led to a conversation where my son in-law learned about the savings.

My son in-law's wife was furious with my husband

and myself for not disclosing the money to them years before.

My son in-law was hurt we chose to do this instead of giving something to all the children.

He said us not telling him added to his hurt

because he had hoped we would want all the children

to have the same start in their adult lives.

He felt like we should have told him so he and his wife could plan accordingly.

My youngest grandchild moved in with us after the trouble started

and both my grandchildren have discussed the issue with their dad several times.

But he still insists my husband and I should have told him..AITAH?

There is a unique kind of love that grows out of loss, a love shaped by grief, memory, and a quiet determination to protect what remains. When parents lose a child, that love often finds a new direction, flowing fiercely toward grandchildren as both comfort and legacy.

At the same time, blended families carry their own emotional complexities, where ideals of fairness and unity can clash with deeply personal grief and boundaries.

In this situation, the grandparents weren’t simply hiding financial information. They were acting from a place of anticipatory protection. After losing their daughter, ensuring her children’s future became an emotional responsibility as much as a financial one.

Psychologically, their decision reflects a desire to preserve autonomy for their grandchildren. Money can change family dynamics quickly, introducing pressure, expectations, and subtle obligations.

By keeping the fund private, the grandparents aimed to shield their grandchildren from guilt, comparison, or being treated as a shared resource in a household shaped by remarriage and blended roles.

Looking at this from another angle helps explain the son-in-law’s reaction. For him, the discovery of the money likely symbolized exclusion rather than protection.

Parents in blended families often strive to create a sense of equality among all children, believing this prevents resentment. From that perspective, not being told may have felt like a breach of trust or a missed opportunity to plan.

However, this view assumes that all financial support entering the family must serve the collective, rather than acknowledging that some gifts are tied to lineage, grief, and personal legacy. What feels like fairness to one side can feel like dilution of meaning to the other.

Psychological experts emphasize why boundaries around family resources matter. Psychological experts emphasize that boundaries around money are essential to maintaining healthy family relationships.

According to Verywell Mind, clear boundaries help individuals understand what they are responsible for and what falls outside their obligation, especially when emotions and expectations run high.

The article explains that without firm boundaries, families may experience entitlement, resentment, and ongoing conflict, particularly in extended or blended family systems.

Setting financial limits is not a rejection of family members; rather, it is a protective measure that preserves relationships by preventing unspoken expectations and power struggles from taking root.

This insight clarifies the grandparents’ original choice. By not disclosing the fund, they preserved its purpose: honoring their daughter and empowering her children without external influence. The aftermath reinforces this logic.

Once the money became known, conflict escalated rapidly, emotional pressure followed, and one grandchild felt compelled to leave the household. This suggests the boundary wasn’t arbitrary; it served a stabilizing function until it was breached.

Ultimately, this story highlights a difficult truth: fairness does not always mean sameness. In families shaped by loss and blending, some acts of love are necessarily specific. Protecting a legacy may sometimes require discretion, not because others don’t matter, but because the gift itself was never meant to belong to everyone.

Check out how the community responded:

These commenters said the grandparents’ money wasn’t anyone else’s business

Vdavwil − NTA It's plain to see that your original plan was wise.

You'd have been having to deal with this endless, rude, entitlement the entire time.

icnoevil − It is none of the son in law's business with what you do with your money.

hengehanger − NTA. And good foresight, your predictions were very accurate.

The idea that you should or would be remotely interested in financially supporting people

you have zero connection to is ludicrous,

your ex son in law is delusional to think otherwise.

They emphasized that only biological grandchildren were relevant here

Crafty_Special_7052 − NTA whatever additional children your son in law had

with his current wife are not your responsibility.

They are not related to you.

Of course you would want to take care of your grandchildren who are related to you.

It’s a good thing you didn’t mention anything to him.

Him and his wife probably would have tried to pressure your grandkids

to share the money with their other siblings.

Voice-of-Reason-ish − Of course NTA.

The other kids have two sets of grandparents that aren’t you.

MariaInconnu − I love how he thinks you should give money to kids not related to you.

Just because they're now related to him, and you and he once were related, does not mean

that any of his children (or step children) have any relation at all to you.

He just wants access to money to make his own life easier.

This group argued secrecy prevented pressure and emotional manipulation

cachalker − You know, it’s telling that the oldest never told her dad

and that the youngest only revealed it under “duress”

when his father pressed him about his career path,

and then moved in with you instead of staying with his father.

You made the right decision.

Frankly, how does knowledge of what you were doing

for your daughter’s children change the plans he

and his wife were making for her children and their children?

All it actually did was remove the pressure and opportunities

to guilt the two oldest from giving up

what was essentially a financial legacy from their mother.

I suspect he’s been contributing to paying for his daughter’s college

and if he’d known about the fund, he’d have bailed on assisting her because she has this fund.

But the bottom line is that it sounds like the bulk came from you

and your husband and he’s not entitled to know about your estate planning provisions.

And that’s what this essentially is…a tool

to disburse part of your estate while you’re still alive.

Altruistic-Bunny − What you feared is exactly what happened.

You did the right thing by not telling them.

Did his new wife's ex or her parents ever contribute

to your grandkids' trust?

Are your grandkids in her parents will?

Some how i do not think they are. NTA. wise decision

Great_Art2493 − Of course NTA, it's money from their mother,

that had no connection to the other kids,

you were really smart not letting them know about it.

They questioned what the parents had saved themselves

Successful_Voice8542 − I’m so sorry for the loss of your daughter.

Son IL and his wife have been collecting thousands

of dollars a month in Social Security survivor benefits.

Have they only spent it on your two grandchildren

or did it go into the family budget for the benefit of her children too?

His wife’s children have two sets of grandparents

who can take care of their own grandchildren financially.

Will his wife’s parents give your grandchildren any money? I highly doubt it.

His wife just wants anything her husband’s parents

and her parents have to go to her children,

as well as wanting what you have to partially go to HER children as well.

Pretty unfair that her kids should receive from three sets of grandparents

while his first two children should only receive from two sets,

all while denying your grandchildren something from their dead mother.

She sounds pretty greedy to me.

And it sounds like your Son IL doesn’t have the balls to stick up for his first two children.

I’m glad they have you to help them

and remind them of the mother they lost who only wanted the best for her kids.

shammy_dammy − "Could plan accordingly."

So how much did he and his wife save for all of the children?

This story struck a chord because it asks whether love should be loud or carefully guarded. Many readers praised the grandparents’ foresight, while others wrestled with the discomfort of exclusion in blended families.

Do you think keeping the fund private was a necessary protection, or should transparency have come sooner? When families merge, where should financial loyalty lie? Share your thoughts below. This one hits close to home for many.

WHAT DO YOU THINK OF THIS STORY?

WHAT DO YOU THINK OF THIS STORY?

OP Is Not The AH (NTA) 1/1 votes | 100%
OP Is Definitely The AH (YTA) 0/1 votes | 0%
No One Is The AH Here (NAH) 0/1 votes | 0%
Everybody Sucks Here (ESH) 0/1 votes | 0%
Need More INFO (INFO) 0/1 votes | 0%

Annie Nguyen

Annie Nguyen

Hi, I'm Annie Nguyen. I'm a freelance writer and editor for Daily Highlight with experience across lifestyle, wellness, and personal growth publications. Living in San Francisco gives me endless inspiration, from cozy coffee shop corners to weekend hikes along the coast. Thanks for reading!

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