Varying degrees of financial responsibility by children can be a challenge when creating an estate plan, according to Market Watch in "My son is responsible, my daughter is in debt -- how do I split my estate?"
A common way to meet the challenge if financial responsibility is not the same among your children is to create an estate plan which involves Trusts that contain varying degrees of restrictions concerning how the Trust assets can be used. Detailed provisions can be written into Trusts so that an irresponsible child cannot waste any of their inheritance on frivolous things.
An experienced estate planning attorney can advise you on creating an estate plan that fits the unique circumstances of your family.
Reference: Market Watch (Feb. 16, 2018) "My son is responsible, my daughter is in debt -- how do I split my estate?