The Moneyologist: How can I ensure my husband and his lazy kids honor my will?

Dear Moneyologist,

My husband and I aren’t extraordinarily well off, but he has a life insurance policy and a 401(k) (of which I am the beneficiary). I have savings and inheritance, and a stake in businesses my father and mother own and we are both on track to do better financially in the future. We’ve started planning our wills and discussing what we’d like done with our money in the likely event that one will outlive the other.

He has two daughters from a previous marriage, one aged 16 and one 19. Neither has any ambition in life and the oldest seems to think that, even though she moved out because she didn’t want to follow our rules that it is our job to finance her lying about her mother’s house, is doing absolutely nothing.

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