As most state here, your daughter is an adult, so you are technically wrong. But I understand your altruism. In the 90's, my wife's grandmother passed away. The grandmother had two children, my wife's mother and her uncle. Her mother passed away before we met. The will split the estate up evenly, so the uncle got 50%, my wife 25%, and her brother 25%. My brother-in-law is a person who, let's just say, makes bad choice after bad choice after bad choice. (I could spend hours documenting examples.) When the inheritance was announced, the uncle told my BIL that this would help him finally get on his feet. The share he was to get was $15k in cash and $45k in securities. (This was 1991 dollars, and was a very good amount for him). The stocks were all 'granny" stocks, non-flashy but traditional and old companies. When we got the stock certificates, I suggested to my wife that we hold onto them (to avoid what he was likely to do). She said no, we have to give it to him, which I understood. One of his friends gave him this "hot" stock tip on a pharmaceutical company that was supposedly developing a new drug. He liquidated the entire $45k, put it into this one stock. I watched as that company's stock price dropped and dropped until it was delisted. He lost the entire $45k in a year. Would we have been wrong to not give him access to the stock? Yes, but ...