Joint tenancy or tenancy in common?

[Angel Clark]

About to close on residential home we plan on living in. Bought with my family’s assistance for down payment. My significant other (SO) and I are not legally married and we file taxes separately and overall have our finances separate, though we both contribute to our home and living expenses. This is partly because I don’t trust him to make good financial decisions. I want to make sure our son (10 years old) gets my part of the home if something happens to me, because I guess I don’t trust my SO will leave it to him.

So should we do a joint tenancy which gives right of survivorship to my SO or a tenancy in common? What are the downfall of a TIC?

And what if my son is still a child if he inherits and my SO wants to sell the home?

Thank you for any answers.