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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

It’s an inheritance one!

385 replies

BacktoBreathe · 18/02/2024 07:57

I'm aware inheritance is quite polarising on mumsnet so I’m zipping up my thick skin in preparation.

So…. I have 1 sibling. They have and won’t have any children. I do - primary school age. My sibling and I are a similar amount of wealthy and if we were to die it’s enough to help someone in life but below inheritance tax thresholds.

Largely I expect my DC to earn their own money when they’re adults but I don’t see how they would ever buy a house without help and if I have enough I’d love to help them get on the ladder when the time comes.

My sibling has just told me that they are writing in their will to give anything they have to charity. I’m…. Sad.

On the one hand they should do whatever they want with their money. It’s their money. I have no right to ‘expect’ anything goes to my DC and certainly no power over where it goes.

But on the other I think it’s hypocritical. My sibling has, over their life, taken help from family (about half was an inheritance, they also took various help to get on their feet when starting out). Not loads of money but maybe 50 k over the years. I also took the inheritance I was given but not the additional help as I’ve always worked and expected to pay my own way. That’s fine - we make different choices in life. But this help was given to my sibling by very family oriented people and I know that their wish would be to ‘pay it forward’ to the younger generation (which in this case would be my children). Also we are both, as stands, set to inherit about £150 k each from my parents. Though that depends on care home fees.

So not to drip feed then I’m not sure I’ll live long enough to set my children up. 2 years ago I was diagnosed with cancer. It’s looking good at the moment and I’m hopeful. But my fear is that my children are left with a shit lot in life. I’d hoped that my sibling would step in if that happened but now I’m feeling like my children just aren’t that important in my siblings life.

AIBU?

YABU: money given historically is just that, ancient history, and should be spent by the receiver however they like. Family have no duty to help each other out financially. There are so many people in the world who don’t have the advantages that we do in the western world and you can affect more people’s lives through charity.

YANBU: family money is there to be passed down to the next generation. If you accept financial help from family you should expect to financially help family yourself.

OP posts:
LenaLamont · 19/02/2024 19:24

I’m very sorry for your cancer diagnosis and I wish you good health and a full recovery.

I would hope my sibling would leave my children a small bequest - a piece of jewellery to remember them by, something like that - but I would actually be very proud of my sibling for giving the rest to charity.

Inherited wealth only makes the economic gaps worse with each generation. I give 20% of my income to causes I believe in, and once my children have a sufficient leg up to have a basic house deposit (the same help I received), I have charity bequests in my will too.

They know that and understand why.

WishIwasElsa · 19/02/2024 19:13

I agree it's up to your sibling what they do and if it was me as you I wouldn't be bringing it up with them. But going against the grain I do think this is sad that they won't leave their nieces/ nephews anything and give it all to charity.

ssd · 19/02/2024 19:07

Op, i get you are close to your brother. Why can't you discuss it with him?

daliesque · 19/02/2024 19:04

I have something, but, it’s based on income as at the point you are diagnosed as terminal (thankfully I’m not there and hope not to be at least for a long time - I might be lucky and never be). The likelihood is I’ll start struggling with working full time and have to keep reducing hours and therefore salary. I’d already like to reduce hours but we’re not in a position for me to be able to.

Don't reply if you feel im overstepping with these questions, but have you actually had a diagnosis of terminal cancer, from an oncologist? I am one and we do not tend to give that message until we are sure there is nothing more that can be done. You sound like you are near the beginning of your treatment so it's far too early to make assumptions about outcomes unless you are diagnosed at stage iv or stage iii for most cancers.
So please don't assume you are going to die.
Have you had a cancer nurse specialist assigned to you? They are there to help you navigate the system and can also get you an appt with a benefits advisor. Generally Macmillan. Cancer specific charities can also provide advice and have chat lines, as do Macmillan and CRUK.
As someone who has been there I wish you all the luck in the world and hope the outcome is that you get to meet your great grandchildren.

MrsBennetsPoorNerves · 19/02/2024 19:02

neighboursmustliveon · 19/02/2024 18:56

I can understand where op is coming from. I do have children but our will does state that if we all pass, all money goes to family. Currently 50% to DH childless sister and the rest to the nieces and nephews from my brothers. Although we have decided to change it to give a bigger proportion to the nieces and nephews as feel (if the worst were to happen), they need the money more than DH sister.

I could never imagine leaving all mu
money to charity over family I love - even more so if I had revived money via inheritance myself.

And that's fair enough if you can't imagine leaving money to charity instead of family, but it doesn't mean that others are wrong to do so. It's a personal choice.

Ange1233556 · 19/02/2024 19:02

Are you close with your sibling? I am very close to mine - in the event of me & husband both dying they would get custody of our children. Would they? If you are not that close so then no I don’t think you should get the money

OldPerson · 19/02/2024 19:01

The main reason no one should ever tell anyone they won the lottery - is that people will always have an opinion on how other people should spend the money. Usually framed by what they want for themselves. It's no one else's business. Really with a 150k inheritance expected, OP has already spent that and wants more. How can I make it right to grab sibling's wealth for DC. No I wouldn't leave it to a group of sick people or cats in outer Mongolia, so I want that cash for my own ends .... sibling's wishes and values are not as important as how I could benefit from her money ....

neighboursmustliveon · 19/02/2024 18:56

I can understand where op is coming from. I do have children but our will does state that if we all pass, all money goes to family. Currently 50% to DH childless sister and the rest to the nieces and nephews from my brothers. Although we have decided to change it to give a bigger proportion to the nieces and nephews as feel (if the worst were to happen), they need the money more than DH sister.

I could never imagine leaving all mu
money to charity over family I love - even more so if I had revived money via inheritance myself.

Teledeluxe · 19/02/2024 18:53

I have the good fortune to be quite wealthy. None of my family or friends know and that’s the way I want it to be until after my death. It’s sad when people go through life in second gear anticipating an inheritance in the future.

Mumof3PrettyBoys · 19/02/2024 18:33

You sound rather entitled OP and maybe a little jealous that your sibling chose to have no children?

Sorry about your cancer - but your itch is majorly with your sibling and their choice of what they will do with their OWN money.. which is insane!!

You should provide for your kids future.. you had them, they are your beloved babies!! Sibling should be able to do whatever they want with their money - it belongs to them - not to you.

Your sibling owes you DC's nothing at all, think they would be around for them though should something happen to you but to expect them to give your children (who do not exactly sound as though they NEED anything) their own wealth.. is incredibly selfish and rude of you OP.

We can all sit and delegate what so and so should do with their inheritance but end of the day its not your call to make. Inheritance wouldnt be such a problem if everyone involved would just be grateful for their piece and stop watching what others get.

Quite annoying actually and it is very rude to the person that passed on.

Middleagedspreadisreal · 19/02/2024 18:22

ANYone else's money is none of your business. End of.

Riverlee · 19/02/2024 17:51

@GasPanic

“My view is that you should be thankful if someone leaves it to you, and not angry if they don't”

so true!

MNTourist · 19/02/2024 17:50

I think your concerns are very understandable given your cancer diagnosis though hope things continue to look positive on this front.
As others have said, you may feel more reassured if you have a conversation about your siblings role in raising your children if you were not around - though am unclear whether you have a partner, they have another parent who would be the primary carer in your absence.
More concerning for me would be to understand whether the potential inheritance you expect for you and your sibling would automate pass to your children if you weren’t around or would your sibling become the sole beneficiary? If the second I would be upset by their decision to exclude your children from her will.
I know this is all very upsetting for you to have to think about but maybe being clear about this is what you need to stop you feeling the injustice of this along with the injustice of your own health
Sending lots of empathy and positive vibes your way x

LyingWitchInTheWardrobe · 19/02/2024 17:26

BacktoBreathe I am sorry for your diagnosis; hopefully that cancer, if not treatable, is extremely slow-growing.

The thing is, everybody posting here will have their views shaped on their own experiences and it's difficult not to overlay those sometimes. My family set up is a bit on the cooler side, we have never inherited anything from anybody and the expectation has never been there either. We're close in an indifferent sort of a way, there if needed.

I think your plan to speak to your parents about your share is a good idea. It would be nice to think that it won't be needed but if the provision is there then you need not think about it again, you can rest easy.

There is no gracious way to speak to your sister about her will. Any provisions that she makes in it are her own but perhaps it's not as black and white as she's indicated and provision has been made for your children? I would imagine though, will or not, should she need to step in for you as arranged, that she would be loving and caring for your children. You're close and you wouldn't have arranged this with her if that were not the case.

People can be odd about death and wills. In our small family, we're all off to direct cremation, no service, no frills.

I wish you well, for your health and for your future plans.

dimllaishebiaith · 19/02/2024 17:16

BacktoBreathe · 19/02/2024 16:36

I think this is going to be my last series of updates. I’m finding some of the comments quite abrupt which I don’t think helps anyone. And some comments seem to deliberately taking things out of contact: quoting half a sentence to change the meaning is a strange thing for dimllaishebiaith to have done.

How close are we? I really don’t know what details you want here. I’ve said we’re close. Close enough to know stuff about each other that no one else does. Close enough that I’m the person they call when their car breaks down the night before a job interview and I do a 450 mile trip to get them, take them there and back again. Close enough to have been their guarantor when they needed it. Close enough to buy them their first (old banger) car so they could get a job. Close enough to have cried on their shoulder when I got my diagnosis. Close enough that Christmas cards the DC make are displayed on his mantelpiece. Close enough that I’d trust the most valuable things in my world to their care. Close enough to have family holidays. So yes, I’d say close.

I have taken money too - I said that in my OP. Not as much as them, but I was older and more secure so I had less need. I’m not sure the relevance of this question.

Would I feel differently if they had children? If they had children of their own and were giving everything they had to charity I’d be shocked, unless there was some major reason. So I’d feel stronger about it but not inherently differently, I’d expect them to be passing some onto the younger generation.

Would I feel differently without my diagnosis? I think so. I have a slow growing cancer so things are ok at the moment but the future is very uncertain. I thought I had years to work but I might not be able to - that is affecting how secure I feel the family is financially.

And some comments seem to deliberately taking things out of contact: quoting half a sentence to change the meaning is a strange thing for dimllaishebiaith to have done.

I didn't

I have checked my posts and at no point have I quoted half a sentence to change the meaning.

HollyKnight · 19/02/2024 16:57

Oh your sibling is your brother.

burnoutbabe · 19/02/2024 16:51

CraftyTaupeOtter · 18/02/2024 09:56

I've got my parents' wills here, so have just checked their provisions. If I die before my sibling, my share goes to my children equally. Are you sure this isn't the default position for wills for most people?

i am pretty sure itsthe default UNLESS the will says - but if i die first - give it all to Sister 1.

generally - leave X to Bob - Bob dies first - that gift fails.

BUT if Bob was their child (i think grandkids also get this treatment), and dies first, then Bob's share goes to bob's kids.

You have to specify you DO NOT want that to happen, for it not to happen.

BacktoBreathe · 19/02/2024 16:36

I think this is going to be my last series of updates. I’m finding some of the comments quite abrupt which I don’t think helps anyone. And some comments seem to deliberately taking things out of contact: quoting half a sentence to change the meaning is a strange thing for dimllaishebiaith to have done.

How close are we? I really don’t know what details you want here. I’ve said we’re close. Close enough to know stuff about each other that no one else does. Close enough that I’m the person they call when their car breaks down the night before a job interview and I do a 450 mile trip to get them, take them there and back again. Close enough to have been their guarantor when they needed it. Close enough to buy them their first (old banger) car so they could get a job. Close enough to have cried on their shoulder when I got my diagnosis. Close enough that Christmas cards the DC make are displayed on his mantelpiece. Close enough that I’d trust the most valuable things in my world to their care. Close enough to have family holidays. So yes, I’d say close.

I have taken money too - I said that in my OP. Not as much as them, but I was older and more secure so I had less need. I’m not sure the relevance of this question.

Would I feel differently if they had children? If they had children of their own and were giving everything they had to charity I’d be shocked, unless there was some major reason. So I’d feel stronger about it but not inherently differently, I’d expect them to be passing some onto the younger generation.

Would I feel differently without my diagnosis? I think so. I have a slow growing cancer so things are ok at the moment but the future is very uncertain. I thought I had years to work but I might not be able to - that is affecting how secure I feel the family is financially.

OP posts:
Thewhywhybird · 19/02/2024 14:54

OP my Aunty predeceased her mother ( father was already dead) , and her share of the inheritance went to my aunty's children, my cousins, not my Mum ( she was my mum's sister) . Cousins were adults at the time. You need to speak to your parents about their will and how it is worded and see if this would happen for your children. I really feel for you in terms of the cancer diagnosis but I don't think you are entitled to a view on who your sister leaves her money to, regardless of any help she received in the past. I am baffled by the idea of a family pot.

Itsjustlikethat · 19/02/2024 14:29

I sympathise with you, OP. I know my children are not entitled to anything from my siblings but given the circumstances you described, it would definitely hurt my feelings, and it would change how I see my relationship with them.

dimllaishebiaith · 19/02/2024 14:21

Teddleshon · 19/02/2024 14:06

Agree with you, I wonder would people speak face to face like this to a mother with young children who has a cancer diagnosis - I hope not!

We dont know why the sister is childfree

I would certainly hope no one was starting conversations with total strangers behind my back about who I should or shouldnt be allowed to leave my money too simply because I have a medical condition which means I cant carry a baby to full term...

Or does the compassion only extend to mothers of young children?

Pastasaladage · 19/02/2024 14:11

I just re read the email.

It's £13.04p and is a 'seasonal chicken pasta salad'

LyingWitchInTheWardrobe · 19/02/2024 14:10

I don't disagree with any of that, ProvincialLady and yes, it wasn't the OP who was suggesting to try to get her sister disinherited by their parents, it was another poster who is absolutely lacking.

We don't know what conversations have been had or why? To me, it's very odd to speak to family members about what's in somebody's will. I would talk about mine with my husband but not with siblings. That said, OP's sister is planning to stand in to help OP's children should she die. Presumably OP's husband will also be around to bring up his children/be there for them. Maybe that's how it's come about?

I think that most posters are struck by the inequity of OP's sister being judged for giving to a charity when if she had had children of her own, this wouldn't have been an issue. I agree with that to an extent because nobody knows how much money OP's sister will have anyway, to leave to a charity or whomever else yet, OP is extremely fixated on the 'family pot'. That thinking needs to go - or a family row will be the likely result.

I've learned a lot from this thread myself; namely that big charities are perhaps not the ones to support, local is better. I have a nephew and niece, and also my own children. I wouldn't hesitate to take them in (but they're older now), but I wouldn't necessarily make provision for them in my will - they have their own parents to do that. The fact that I have children is immaterial really. I wouldn't love my nephew and niece more or less if I left them money, I give them money for birthdays/Christmas anyway.

This thread has been useful as a cautionary tale; add Will provisions to the topics not to be discussed.

Teddleshon · 19/02/2024 14:06

Agree with you, I wonder would people speak face to face like this to a mother with young children who has a cancer diagnosis - I hope not!

2024theplot · 19/02/2024 14:05

YABU. We're childless and it hasn't even occurred to me that our siblings might expect us to leave money for our nieces and nephews in our wills (we haven't, we plan to spend our money while we're alive and to leave any remainder to charities close to us).

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