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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:
MyrtlethePurpleTurtle · 18/02/2024 14:35

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.

  1. why the assumption an old person would have an expectation of assistance from a niece/nephew?
  2. there are many organisations - including charitable ones - that can 'do all the ferrying of old persons' (like pieces of garbage or flotsam 😒)
  3. people may leave money to charity for many reasons - whether from wanting to do,some good once they're gone from altruistic reasons to more personal reasons (eg a legacy to a charity for personal reasons, such as a hospice or indeed those charities that help with The Ferrying of the Elderly).

Surely it's not that difficult to understand

MyrtlethePurpleTurtle · 18/02/2024 14:28

BacktoBreathe · 18/02/2024 08:55

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.

So why is your ire/disappointment not directed against your parents cutting out your children from their will (should you predecease them)?

< sorry for your diagnosis Flowers >

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.

daliesque · 18/02/2024 14:19

The nasty post belongs to people who think that money is the tie that binds them to family and are keeping score of what they think they are entitled to.

This. It's not the OP who is unreasonable as I knkw what a cancer diagnosis does to someone, having had one and being responsible for giving them.

However, I do wonder if the sibling knew that any financial help they were offered and took came with such tight strings attached. Poor them for thinking that it was a gift or a loan given to them, with no expectations.

Scalottia · 18/02/2024 14:19

@Teddleshon my own family and I have our own cancer diagnoses at the moment, I do understand how shit it is, and you don't need to school me on empathy. But unfortunately the illness is not relevant because it's the sibling's choice in regards to where the money goes. OP's sibling has also agreed to be the guardian which I think is lovely.

I stand by my post. Your children, your responsibility. OP asked for opinions, that is mine. Doesn't mean it's correct but it's how I feel.

FrangipaniBlue · 18/02/2024 14:18

I think the conversation you need to have is with your parents about them leaving what would have gone to you instead to your DC.

FrangipaniBlue · 18/02/2024 14:15

SIL and her husband done have and never will have children.

Never in a million years would I expect them to leave anything to DS or any of their other nieces or nephews?!

loobylou10 · 18/02/2024 14:09

I agree with you @BacktoBreathe I would be very upset too.

Teddleshon · 18/02/2024 14:09

@Scalottia geez, op has had a cancer diagnosis. How about a bit of empathy.

Bishopsgirl · 18/02/2024 14:09

@Sapphire387 I completely agree with you.

Louloulouenna · 18/02/2024 14:07

@daliesque so it’s fine for the sibling to decide to leave all their estate to charity rather than family but beyond appalling for the parents to decide to leave theirs to grandchildren rather than said sibling who will then leave it all to charity?

Scalottia · 18/02/2024 14:05

10ThousandSpoons · 18/02/2024 08:00

If I were your sibling I would be so upset with you. They've told you their will so that there's no surprises for you and instead you're judging them and posting about it on the Internet as if it's such a horrific thing to do. Do you even like them? HOW DARE you make their death about you and your child.

First post nails it.

I am tired of people making everything about their children.

You chose to have a child, OP. Your sibling didn't. Your child's financial future is your responsibilty, and nothing to do with your sibling.

Good on them for helping a charity. Your child is not a charity case, as you say you and your sibling have similar wealth.

Honestly the entitlement of some parents.

daliesque · 18/02/2024 14:02

If I was a parent of you and your sibling and knew sibling was leaving their estate to charity I would leave my estate to my grandchildren. As I would be entitled to do.

And that sibling would be entitled to tell their entire family to fuck off and never have anything to do with them again.

Chouquettes · 18/02/2024 14:00

I think it’s fair that family money is passed down to younger generations where possible . If I was childless I wouldn’t be giving money inherited from family to charity when I died if I could give to my niece /nephew . I wish you well OP .

caringcarer · 18/02/2024 13:56

I've got 17 dnieces and nephews. I've only left my youngest sisters DC money in my will but jewelry for all other nieces. The reason being is I know my younger sister doesn't have much to leave her dc. The others will inherit from their parents. For the same reason I also helped my same dniece who went to uni with a standing order help every month. Her younger sister will get the same help next year when she goes. My DNephew has had other help over the years with school trips and equipment for hobbies paid for. I think it's sad your brother doesn't want to help out his nieces and nephews. He could still leave money to charity too. I think given your cancer diagnosis you could ask either your brother or someone else you really trust to be guardians for your DC if you were to pass away. Hopefully your parents would pass your share of inheritance down to your DC.

daliesque · 18/02/2024 13:54

Im not comfortable talking to my parents about what my siblings will says but I could ask if anything I would have got could go into trust for my DC without mentioning any reason why.

Nor should you be. And do ignore the posters who think that you should persuade your parents to change their will to exclude your sibling. All you can do is mention your share of the inheritance and how you want it to go to your kids. Anything else and you are at risk of your sibling walking away from all of you - as they would have the right to do so.

Xoxoxoxoxoxox · 18/02/2024 13:52

I agree with you OP, family before a charity who may use or misuse the money.
My sibling has no children and is going to leave her inheritance to my children and I am very grateful for that, I would do the same if the situation was reversed.

LizHoney · 18/02/2024 13:51

I'm with you OP. Of course it's her choice, but I judge her for it.

I trust when she's old without the support network having children often provides that she won't think she can rely on her niece/nephew for help with hospital appointments, shopping, day trips - you know the kind of thing that families would normally do for each other.

Mostlyoblivious · 18/02/2024 13:44

porridgecake · 18/02/2024 08:05

OP I took from your post that mainly you are worried about what happens to your children if you die prematurely.
You need to appoint a guardian in your will and that is the conversation you need to have with yoir sister, leaving money out of it.
Ask her if she is willing to be named guardian or if you need to ask someone else.
This is much more important than anything else.

This. I agree, I don’t think it’s about the will. You need to have a conversation with your sister about your fears for your children with your diagnosis. It may well not have occurred to her that you are worried about what will happen in a worst case scenario

Boredandborder · 18/02/2024 13:40

I agree and sympathise entirely with your point of view. I'm going through treatment for breast cancer, prospects for survival are ok. However, I spoke with my father about the possibility that he would outlive me. If I die before him, his will has now been changed so that "my share" will pass to my two adult children and not go to my utter arsehole of a brother.

BoredAndTiresome · 18/02/2024 13:37

To be honest, it’s a bit greedy to want your siblings money for your child, on the other hand I am TOTALLY OPPOSED to charities, and lining the pockets of executives.

I would leave my money to family, and if I had none, the families of friends or relations.

CheltenhamLady · 18/02/2024 13:37

BacktoBreathe · 18/02/2024 08:55

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.

That is unusual OP. A friend lost her brother some years ago and her parent's estate is to be divided equally between the friend and her brother's children.
I would talk with my parents and see how they have left it.

ChocolateCinderToffee · 18/02/2024 13:36

I’m childless. My only sibling has one child. I’d planned to leave my money to that child, until I realised they viewed me with absolute contempt, as a poor relation. I’m therefore leaving them a small number of valuables and the rest is going to friends. If the situation were reversed, and I had children and my sibling didn’t, there’s no way on earth they’d be leaving me their money. So that’s it.

Karmakamelion · 18/02/2024 13:36

10ThousandSpoons · 18/02/2024 08:00

If I were your sibling I would be so upset with you. They've told you their will so that there's no surprises for you and instead you're judging them and posting about it on the Internet as if it's such a horrific thing to do. Do you even like them? HOW DARE you make their death about you and your child.

She's making HER death about this. Families are supposed to help each other. It's about giving when you have been given to.
Charity begins at home. Being motherless is never easy however if any stresses can be removed by family then why wouldn't you. It truly is no skin off your nose.

Viviennemary · 18/02/2024 13:36

Sorry you've been ill. But you really can't rely on inheriting from a sister to help your financial stability. She has every right to leave her money to whomever she chooses. YABU.