"It’s very common for people to make wills leaving everything to their spouses in the belief the inheritances will be passed on to their children when their spouses die. You may be thinking this makes sense, because you and your spouse are in agreement on the matter, you want to be sure your spouse has enough to continue your lifestyle should you die first, it gives your spouse the ability to adjust where the assets go in case of changing circumstances, and it just seems easier and faster than pondering more complex options." Source Advantages of leaving everything to spouse: - Simpler will to write, no need to come up with detailed options and distributions. - If surviving spouse lives another 20-30 years, he/she will have enough money for long term care. Disadvantage of leaving everything to spouse: - If spouse remarries or gets estranged in any way from the adult children, they may get nothing. - If spouse spends away the money carelessly, none might be left for the children. Thoughts? Are there any other advantages or disadvantages? If a friend asked for advice on such a decision, what would you suggest? .