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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:
Hippyhippybake · 18/02/2024 20:05

@neriah as someone who is big on family ties and is leaving money to all my nieces and nephews I think you are entirely justified in your decision!!

Neriah · 18/02/2024 19:59

WhatsTheUseOfWorrying · 18/02/2024 18:49

Yup. You got it. Leaving everything to animal charities is basically a middle finger to the world.

I can understand someone choosing to leave the lot to a charity that benefits people, possibly with a connection to the life of the person. Donkeys, dogs or cats etc? No, that’s just a ‘fuck you’ statement.

Ian Brady left his money to animal charities.

I’d ban legacies to animal charities. 👍

This thread has been so enlightening. I didn't agree with the OP on the first place. But having read the entire thread, when I return to the UK on Wednesday I'm changing my will. I've thought about it several times in recent years, and never done it. The main beneficiary is my nephew. That is the son of my brother who, within six months of learning his child was the beneficiary, never contacted me again - 9th January 2016 - because he was busy. Never returned a phone call. Too busy. Or an email, too busy. A couple of texts, but... yes, you guessed it, too busy. Nephew gets £100 at birthday and Christmas - can't be arsed to even text me that the voucher arrived. Two major surgeries since 2016 that could have been life threatening- my brother didn't even know about them because there was no point telling him - he couldn't give a shit.

I'm going with the middle finger - the other minor beneficiary is the Dogs Trust. I'm now leaving the lot to them.

InterIgnis · 18/02/2024 19:39

WhatsTheUseOfWorrying · 18/02/2024 18:49

Yup. You got it. Leaving everything to animal charities is basically a middle finger to the world.

I can understand someone choosing to leave the lot to a charity that benefits people, possibly with a connection to the life of the person. Donkeys, dogs or cats etc? No, that’s just a ‘fuck you’ statement.

Ian Brady left his money to animal charities.

I’d ban legacies to animal charities. 👍

just as well you’re not in charge of that then.

Mine are willed to animal charities. If someone disagrees with that it’s their problem 🤷🏻‍♀️

unnumber · 18/02/2024 19:25

minthybobs · 18/02/2024 18:57

Childless relatives aren't back-up parents. They have their own lives and needs and goals

Yes, until they get old and expect help from their nieces and nephews who if they said no would then get guilt tripped by the whole "but you're family" refrain- Ive seen this happen multiple times. You cant wheel out the "you're family" thing only when it suits you!

I agree that if you are getting substantial help from younger relatives in your old age you should try to repay them, and a legacy is often the way to do that.

That feels very different to me from assuming that you should keep all money in the family no matter what.

If I were in OP's sister's position I would be prepared to support relatives in hardship. I would be prepared to repay any help needed and given in old age. But that wouldn't stop me from having charities as the beneficiary of my will meanwhile.

unnumber · 18/02/2024 19:20

minthybobs · 18/02/2024 18:57

Childless relatives aren't back-up parents. They have their own lives and needs and goals

Yes, until they get old and expect help from their nieces and nephews who if they said no would then get guilt tripped by the whole "but you're family" refrain- Ive seen this happen multiple times. You cant wheel out the "you're family" thing only when it suits you!

Plenty of childless relatives don't get help from nephews and nieces, or expect it.

minthybobs · 18/02/2024 18:57

Childless relatives aren't back-up parents. They have their own lives and needs and goals

Yes, until they get old and expect help from their nieces and nephews who if they said no would then get guilt tripped by the whole "but you're family" refrain- Ive seen this happen multiple times. You cant wheel out the "you're family" thing only when it suits you!

unnumber · 18/02/2024 18:56

WhatsTheUseOfWorrying · 18/02/2024 18:49

Yup. You got it. Leaving everything to animal charities is basically a middle finger to the world.

I can understand someone choosing to leave the lot to a charity that benefits people, possibly with a connection to the life of the person. Donkeys, dogs or cats etc? No, that’s just a ‘fuck you’ statement.

Ian Brady left his money to animal charities.

I’d ban legacies to animal charities. 👍

I am not an animal person myself but lots of people give time and money to look after them in life. That's very obvious and there are good humans reasons to do so. It lessens suffering. So people can certainly leave money to animal charities without ulterior motives.

WhatsTheUseOfWorrying · 18/02/2024 18:49

Herdinggoats · 18/02/2024 18:33

Id love to know what the relevance of this is?

Oh she’s leaving her own money to the British Heart Foundation, that’s ok, that’s a ‘proper charity’. She’s leaving her own money to Cats Protection, it’s disgusting she loves cats more than her niece presumably?

Yup. You got it. Leaving everything to animal charities is basically a middle finger to the world.

I can understand someone choosing to leave the lot to a charity that benefits people, possibly with a connection to the life of the person. Donkeys, dogs or cats etc? No, that’s just a ‘fuck you’ statement.

Ian Brady left his money to animal charities.

I’d ban legacies to animal charities. 👍

Herdinggoats · 18/02/2024 18:33

WhatsTheUseOfWorrying · 18/02/2024 18:27

Haven’t RTFT, so apologies if a repeat, but what sort of charity(ies) is money being left to?

Id love to know what the relevance of this is?

Oh she’s leaving her own money to the British Heart Foundation, that’s ok, that’s a ‘proper charity’. She’s leaving her own money to Cats Protection, it’s disgusting she loves cats more than her niece presumably?

WhatsTheUseOfWorrying · 18/02/2024 18:27

Haven’t RTFT, so apologies if a repeat, but what sort of charity(ies) is money being left to?

dimllaishebiaith · 18/02/2024 18:13

HFJ · 18/02/2024 14:24

Presumably these relatives will expect their nephews/nieces to look after them in old age? Even if they were wealthy, someone’s got to do all the ferrying of old persons back and forth to hospital, the medicine collection, the organisation of carers and home improvements, being at the end of the phone for emergencies……

I really don’t understand why people leave everything to charity.

My sister has already made it clear to me fairly bluntly that her children are being brought up to understand that Auntie Dim has absolutely no right to expect any of their time and effort in my old age, just because I happen to be infertile.

She does however expect her children to profit from my infertility

My neice lived with me for a year, my nephew has lived with me for several years so I have gone rather above and beyond the average Aunt duties, in spite of being disabled myself, but still I have to be made aware that all of this still doesn't mean I can have any expectation of help if I ever need it from my neice and nephew. I've at no point indicated I would expected it, but still it's been pointed out to me on multiple occasions

My friends on the other hand, I spend a lot of time with their kids and they are bringing their kids up with the expectation that if your family friends have nowhere to go at Christmas or if they need a little help then you reach out and help. They actively model this for their children with older family friends themselves. So I know that if I am left alone in my old age that there will be three children who will always make sure I am never alone at Christmas

Whilst I still intend on leaving some money to my niece and nephew because I don't expect them to look after me in my old age just to "earn" an inheritance from me, I damn well intend on leaving some to my friends children too. Because apparently all this love and care and family feeling that people are told about isn't actually expected to flow to childless relatives, just from them.

LyingWitchInTheWardrobe · 18/02/2024 18:07

TempleofBloom, I read it fine - this bit is the one I was querying, albeit it's very clear in intention as far as I can see.
If the opportunity arises I’d also mention the charity bit in you dsis’s will, purely to let them know, not to actively ask them to do anything about it - although they may choose to take that into account.

Haydenn · 18/02/2024 18:00

TempleOfBloom · 18/02/2024 17:46

Except for the childless aunts who have said they would leave their estate to their nieces and nephews.

If my DC pre-decease me or we all go in the same horrible event my estate goes to my nieces and nephews, with other bequests to a friend (the DC;s god-free parent).

My childfree sibling and IL are leaving their estate to their nieces and nephews.

But unlike some of the aunts on this thread we all get on and are close, and the nieces and nephews socialise with their aunts and uncles, and send thank you notes for presents!

Literally in my first line I acknowledge those people 🤣 ! I say there are a few of those, but the majority who say they are childless admit that they are leaving their money elsewhere.

TempleOfBloom · 18/02/2024 17:49

LyingWitchInTheWardrobe · 18/02/2024 17:43

What you mean is that the parents should be told about the sister's charity plans so that the parents can cut her out of their plans altogether, yes?

Grasping isn't a strong enough word.

No, that is not what is suggested.

Just that in dividing their estate, the parents could leave half to the sibling and half to the OP, or the OP's DC in her place.

ATM the parents are saying that if the OP pre-deceases them the whole of their estate would go to the sibling.. Not to her DC in her place.

So suggesting that the parents adopt a very common structure of will making.

unnumber · 18/02/2024 17:49

TempleOfBloom · 18/02/2024 17:46

Except for the childless aunts who have said they would leave their estate to their nieces and nephews.

If my DC pre-decease me or we all go in the same horrible event my estate goes to my nieces and nephews, with other bequests to a friend (the DC;s god-free parent).

My childfree sibling and IL are leaving their estate to their nieces and nephews.

But unlike some of the aunts on this thread we all get on and are close, and the nieces and nephews socialise with their aunts and uncles, and send thank you notes for presents!

I get on fine with my family.

They don't need my money!

May I be struck down immediately if I ever become the kind of person who revises my will over a thank you note or lack thereof.

TempleOfBloom · 18/02/2024 17:46

Haydenn · 18/02/2024 16:03

What I find interesting here is the split between those who say they are childless and are leaving money to charities or friends versus all of those who say “IF they were childless” then they would leave the money to nieces and nephews.

It seems to me scanning through the full thread a few childless aunts are planning on leaving estates to Niblings, with the majority saying not. Most of those saying money should stay in the family are those with children and are saying what they think the position should be if they were in that position, (so very much a vested interest)

Except for the childless aunts who have said they would leave their estate to their nieces and nephews.

If my DC pre-decease me or we all go in the same horrible event my estate goes to my nieces and nephews, with other bequests to a friend (the DC;s god-free parent).

My childfree sibling and IL are leaving their estate to their nieces and nephews.

But unlike some of the aunts on this thread we all get on and are close, and the nieces and nephews socialise with their aunts and uncles, and send thank you notes for presents!

unnumber · 18/02/2024 17:44

As someone planning to leave my (not terribly significant) estate to charity, I would also be likely to alter this to help a relative or close friend in hardship.

LyingWitchInTheWardrobe · 18/02/2024 17:43

6pence · 18/02/2024 12:00

Yes I think the best bet is talking to your parents about how you are worried your children may miss out on your share.
If the opportunity arises I’d also mention the charity bit in you dsis’s will, purely to let them know, not to actively ask them to do anything about it - although they may choose to take that into account.

What you mean is that the parents should be told about the sister's charity plans so that the parents can cut her out of their plans altogether, yes?

Grasping isn't a strong enough word.

unnumber · 18/02/2024 17:42

Sureaseggs44 · 18/02/2024 16:39

If your parents know about your diagnosis can you not ask them to make provision for your share to go to your children ? Hopefully it won’t come to that but if I was your parent I would change my will to that effect?

That seems really sensible and reasonable.

unnumber · 18/02/2024 17:41

Inertia · 18/02/2024 16:35

@BacktoBreathe I would also ask your sibling who he/she has nominated as executor of his/her will. It would be very unreasonable to expect a family member to carry out all the work this entails on behalf of the beneficiaries.

Nobody has to act as executor whether they are named in the will or not.

I'd have no problem - health and other commitments permitting - helping as an executor where the legacy went to charity. It's the last thing you can do for someone.

TempleOfBloom · 18/02/2024 17:40

OP: If I die before my parents then anything they have when they die will go to my sibling. And so then to charity.

Assuming my husband doesn’t remarry then my DC will inherit anything my husband owns at time of death. he personally won’t inherit anything from his family.

afaik it is very common for a will to specify that where close family are concerned if a beneficiary is deceased then the money passes to the next generation - i.e grandchildren. Did they do a very basic DIY will?

Also - even if your DH were to re-marry he can still leave his assets direct to yours and his children, it doesn't all automatically have to pass to a spouse. As long as the surviving spouse has enough to live on there can be no challenge.

unnumber · 18/02/2024 17:39

Haydenn · 18/02/2024 16:03

What I find interesting here is the split between those who say they are childless and are leaving money to charities or friends versus all of those who say “IF they were childless” then they would leave the money to nieces and nephews.

It seems to me scanning through the full thread a few childless aunts are planning on leaving estates to Niblings, with the majority saying not. Most of those saying money should stay in the family are those with children and are saying what they think the position should be if they were in that position, (so very much a vested interest)

Good point.

Childless relatives aren't back-up parents. They have their own lives and needs and goals.

Many of them are also perfectly aware of the possible pitfalls of leaving to charity. They are capable of researching where their money will make a difference.

I find the view that leaving money outside the family isn't fair very strange. Inheritance isn't fair. It makes a huge divide between the haves and the have nots. I can see parents will naturally want to give their children every advantage. But the idea that every older relative should chip in to add to that advantage does not appeal to me.

I donate to charity now and I hope to do so after my death. Why should only the super-rich and their foundations get to help strangers?

TempleOfBloom · 18/02/2024 17:36

Scalottia · 18/02/2024 17:10

@Bellyblueboy it doesn't matter why. Sibling has simply made their decision to leave money to charity. It's not really OP's business why.

In your opinion.
The sibling has already told the OP the plan, so clearly talked about it. What's wring with asking why? Isn't that normal conversation between siblings?
My siblings know the direction of my will, and vice versa. We are just open about it.

Scalottia · 18/02/2024 17:10

@Bellyblueboy it doesn't matter why. Sibling has simply made their decision to leave money to charity. It's not really OP's business why.

Bellyblueboy · 18/02/2024 16:56

I am the childless sister, my sister inherits everything, if she goes first it all goes to her children. Everyone knows this.

I can’t imagine not wanting my lovely niece and nephew to inherit my house. It is worth quite a bit and, assuming it’s not used for care, would be a big boost for them (perhaps in their forties or fifties though).

have you asked your sister why? particularly as some of the wrath will be from your parents and therefore the kids grandparents?

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