I didn’t disinherit my daughter. It wasn’t a fight or a disagreement. Things changed. She (D2) graduated from college, has a nice, high paying job, her own 401k, life insurance, and doesn’t have the same needs as she did when she was in college. D2 doesn’t want to be responsible for my bank accounts or have me on hers. Easy solution, take her off my accounts and take me off hers. She won’t get direct payments as POD or beneficiary on one 401k.
I don’t think I’m being unfair. She’s not getting less, but it won’t be as easy for her to access funds as it would be if she wanted to be on the accounts (and have some responsibility).
It will all be spent anyway.