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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Parents moaning their pensions are not enough!!

394 replies

Bluesky91 · 12/04/2024 22:04

My parents own a large 3 bed semi. They extended it to convert to a huge 5bed house. After I moved out, my brother stayed back. He is not a high earner (teacher). He got married a few years later. His wife works for minimum wage. On their salaries, they will struggle to live on their own - they will have nothing left to save/spend on lifestyle. They have a 4yr old child. They all live with my parents.

Earlier this evening, I was visiting my parents. My mom was out with her exercise group. Brother, SIL and DN went out for dinner. My dad ticked off all of a sudden saying they have no money by 20th of every month and it’s very unfair on pensioners. wtf. My parents have TWO pensions. Just that they chose to pay everything for the house, bills, food, cleaner, car, childcare, DNs activities, etc. DB/SIL spend their income on lifestyle and investments. it’s not NHS/ Govt’s problem. My dad got so mad a me for saying this, he shouted at me saying “do you want us to kick your brother out? How will he live?”

Within means? Like everyone else?

AIBU ?

OP posts:
AGodawfulsmallaffair · 13/04/2024 07:42

justasking111 · 13/04/2024 00:09

I think dad was having a vent because he's worried. A five bedroom house needs a lot of upkeep. Now he's not earning that's a monkey on his back.

Day after day worrying what happens if a roof needs repairs etc.

If your mum is on a full pension he's trying to care for a family on less than 20k a year.

That's frightening with the cost of food, energy, council tax etc.

He's stretching the income thin and with inflation costs maybe worried about the future.

Poor man.

He’s not a poor man, he has very odd ideas about paying everything for a couple earning at least 50k, then getting angry at his dd when she points this out.

Floppyelf · 13/04/2024 07:41

LividAA · 12/04/2024 22:32

Your brother is the problem. Freeloading fucker.

(Teacher, single parent, massive mortgage, hour each way commute, getting the fuck on with it because I don’t have anyone to sponge off and I’m not a twat. Tell him to pull his fucking weight and be an adult)

Well yes this but its not the Op’s problem.

Bookworm1111 · 13/04/2024 07:39

Even just a class teacher can earn more than 50k+ on UPS. Your brother is taking the mick if he’s earning anywhere near that and not contributing. But it’s your parents’ fault for enabling. Instead of talking to your parents, have you tried telling your brother that you are worried your dad’s said they are struggling to cope financially?

I’d bet you any money your DB stands to inherit their house entirely. He won’t move because if he gets his own place your parents might decide he doesn’t need it all and splits it with you. He’s doing his poor relation act to financially abuse your parents.

MuscariFan · 13/04/2024 07:38

Tourmalines · 12/04/2024 22:41

Well , let him stew on his own . He is far from logical but it seems he just doesn’t get it .

Or perhaps he's just really worried about how they will cope financially in the future, but is being over-ruled by a wife who wants to keep her grandchild living with her and is therefore allowing them to have the royal mickey taken out of them by her free-loading son and DIL?

KoolKookaburra · 13/04/2024 07:36

It's clear you're looking down on your brother's career choice. I'd leave that out of it.

Frangipanyoul8r · 13/04/2024 07:32

Bluesky91 · 12/04/2024 22:17

I really hope they (DB and SIL) look after my parents later.
DB doesn’t lift a finger. Dinner is usually ready by the time they get home. DN is brought home from school, shower etc done by the time SIL arrives. They get a cleaner thrice a week. So, cleaning laundry, ironing etc are all done too. SIL helps with bring groceries and other bits, but doesn’t pay for them. She also helps out a bit at home, but DB doesn’t lift a finger even during holidays. My dad thinks DB works really hard. He has a long commute, but I wfh. Seriously, I don’t get it, is my dad jealous ?

Your parents have created this situation. Maybe your dad venting is because your mum is the driver behind enabling it.

AGodawfulsmallaffair · 13/04/2024 07:31

GauntJudy · 12/04/2024 23:19

That's a pretty unusual living arrangement. And by unusual I mean fucking bonkers.

😆

AGodawfulsmallaffair · 13/04/2024 07:30

ssd · 12/04/2024 23:15

Its not 100% your parents fault, your brother and SIL are equally to blame

Absolutely, have they NO shame?

Sureaseggs44 · 13/04/2024 07:29

I don’t think it’s the living together it’s the not paying a fair contribution. That’s what needs sorting somehow.

but I know someone else doing something similar and getting into debt but it’s like talking to a brick wall. Some people are just stupid .

AGodawfulsmallaffair · 13/04/2024 07:26

Bluesky91 · 12/04/2024 22:17

I really hope they (DB and SIL) look after my parents later.
DB doesn’t lift a finger. Dinner is usually ready by the time they get home. DN is brought home from school, shower etc done by the time SIL arrives. They get a cleaner thrice a week. So, cleaning laundry, ironing etc are all done too. SIL helps with bring groceries and other bits, but doesn’t pay for them. She also helps out a bit at home, but DB doesn’t lift a finger even during holidays. My dad thinks DB works really hard. He has a long commute, but I wfh. Seriously, I don’t get it, is my dad jealous ?

Wow, with the greatest of respect to your parents, are they mad? Why on earth are they supporting them to this extent? But why are your db and sil such blood sucking leeches on a combined income of at least 50k?
I bet they make sure your dp’s will is totally in their favour too.

Lentilweaver · 13/04/2024 07:25

I am Asian. This is how many Asians live. ( not me). It's really odd to see multigenerational living spread to others. I hope this is not me in ten years, given the CoL.

I also think there's not much you can do beyond removing yourself.

Noicant · 13/04/2024 07:24

They basically don’t like the girl in the family doing better than their son I think. It’s a weird kind of misogyny. Have they always favoured your brother? I think the fact that you cracked on and sorted yourself out makes it worse for them because it highlights how much he hasn’t been able to get on his own two feet. Such disordered thinking.

Honestly, I’d just say grey rock it every time he brings it up. Or maybe just say “what do you think you should do?” And bat it back to him, otherwise you’ll just be the bad guy.

SanctusInDistress · 13/04/2024 07:23

Sit back and watch your brother and sil put your parents in a care home as soon as they can.

I suspect they’ve told your parents that they will look after them in proper old age and your parents believe it.

rickyrickygrimes · 13/04/2024 07:18

mt9m · 13/04/2024 06:43

My parents also have these weird ideas about providing for sons. Can you explain it to me at all? I'm a daughter and have struggled to understand why they get to freeload and I get nothing but criticism and judgment, when I work hard and they don't.

Because you (as a woman) will eventually marry a man and be ‘taken care of’. Once you are married off, you aren’t their problem any more. Whereas your brother (as a man) needs to be ‘set up’ to attract a wife that he will then have to take care of. It’s medieval but that’s the underlying belief I suspect, even if it’s not spelled out.

my aunt bankrupted herself buying a farm for her eldest son: it was very important to her that she ‘set him up’ properly, so that he could attract a good wife, have lots of lovely children, and look after her in her old age. Unf he took the farm, then married an older woman who already had children and didn’t want any more. So that didn’t work out 🤷‍♀️.

HesterRoon · 13/04/2024 07:14

Given your answers, I’d just tell him it’s self inflicted problems and if he gets angry when pointed out to him, you don’t want to waste your time talking about it.

Perthsmurf · 13/04/2024 07:06

OP, as outrageous as your brother is being, I don’t think there’s much you can do other than come to terms with this mad situation. You won’t win because your parents have decided that your brother and his family are somehow helpless and in need. If you try to challenge that ridiculous idea (which is what you did) then YOU become the problem. You’ve had your say, they now know how you feel, and maybe what you’ve said will actually get them thinking a bit. But you can’t push it any further.

I say this from my own experience. Over the years I’ve come to terms with how my parents want things to be, because they have (mental) capacity and have decided that my freeloading brother is a helpless victim whose money issues are never his own fault. But I literally walk out of the room if they talk about their worries over their rapidly dwindling savings, and they know exactly why because I told them what I think. I don’t speak to my brother at all, and I won’t be his next source of money once my parents are finally out of savings.

@buswankerz had it right, if your dad mentions this again then cut him off and remind him that he didn’t like how the conversation went the last time.

One thing to look out for is your parents’ welfare, mental capacity and any care needs as they get older. If you have concerns over your parents’ ability to make financial decisions, or to access enough care in future then you may need to get involved with social services. Your brother has probably not factored in that the home will likely be sold at some point if one or both of them have to go into a home. Watch out for any financial control or exploitation and arm yourself with knowledge about what you can do, from outside the household, if you see signs of this. There are some good source of info online.

Sorry OP, it’s so hard to see it happening.

Yalta · 13/04/2024 07:06

NamelessNancy · 12/04/2024 23:48

You might be right. I hope so. That is not what OP has said though (unless we think a one bed flat is suitable for a family of three). I think the family should move to somewhere more affordable but wonder how great the area left behind can be if key workers cannot live there independently.

I have a few friends who have moved into 1 bed flats with 1 child as it is all they could afford and a few years and a few moves later they were buying bigger houses

It might not be ideal but it beats what db and his wife are doing which is quite frankly embarrassing

NamechangedtotellyouImfreeasabird · 13/04/2024 07:02

This is 100% your parents doing. It was their job to guide their children to independence. I suspect your parents still like having your brother and co around.

When you give your adult children free accommodation, meals, clean house and bills paid you are basically making it very uncomfortable for them to move.

They need to become independent for their own well-being as this situation will be keeping them under their parents thumb. Is their an unspoken obligation in the pipeline...like caring for them rather than sending them into a care home?

They must have saved up enough for a deposit by now.

Yalta · 13/04/2024 07:01

Bluesky91 · 13/04/2024 06:44

Just to be clear on a few things here:

  1. They (mum, dad and DB) all think my brother is very poor because he cannot buy a house like mine - oh wait, even if he can, they think “making him take a mortgage” is “pushing him to debts” “cruelty”
  2. when they say DB can’t afford to live on his own, they mean living in a 3/4 bed house + the lifestyle
  3. DB won’t move to a cheaper area
  4. DB won’t take a betteR paying job or a role with more responsibility

So what are they expecting him to do after they have gone.

I mean willing the house to him is only going to put him in penury as he won’t be able to afford to run it

I have lived in a multi generational house and not one individual lived their bill free.

If anything everyday at dinner everyone put what they earned that day into the middle of the table. (a bit like the tv series Bread but we had a plate instead of a chicken)
We as a family could then move forward quicker and with less expenses

Think brother needs to grow up and stop thinking he is hard done by and your parents should stop enabling them

Noicant · 13/04/2024 06:50

Yalta · 13/04/2024 06:44

Well then they are going to have to move away. Maybe nearer the school he works in,

If db and sil truly can’t afford to buy or rent anything then that is what benefits are for

I suspect db and sil can afford to buy but why make life difficult when your parents are paying for everything and doing everything for them. Are they expecting the house eventually

Your parents should be a bit more concerned about how their ds is going to cope after they have gone.

I would suggest that parents think about helping in a practical way for their ds and his wife to stand on their own 2 feet.
I would even broach the subject of what will happen after they have gone because if dB cannot afford a 1 bed flat how is he going to run a 5 bed house

Direct parents to look at what a teachers salary pays and a minimum wage job pays and what benefits they would be entitled to if they moved out on their own

I think they could be shocked at how much they are earning.

How do your parents think a family of 3 live on 2 minimum wage salaries
Do they think everyone moves in with their parents?

They will probably leave their house to their son so aren’t worried about how he’ll manage. They are already setting up the narrative that he needs it more.

Noicant · 13/04/2024 06:49

I wouldn’t have any sympathy tbh, they could ask for a contribution but they don’t. They favour your brother massively and to a delusional level.

SulkySeagull · 13/04/2024 06:48

Sorry if I’ve missed this but does DB not pay any rent to your parents? This is an incredibly messy setup if so, and it’s not just your parents fault, your DB and SIL are freeloaders

Bluesky91 · 13/04/2024 06:46

HerkyBaby · 13/04/2024 06:20

It’s reasonably easy to work out how much your brother is earning via teacher pay scales on Google. Calculations for your SIL is much easier. Give your dad the facts about their income.
The other niggling worry is that this might be financial abuse / coercion of the elderly.

I did this. My mum and dad know how much DB + SIL earn. I don’t ask, they’d tell me a lower number if I ask.

There is no coercion or abuse. This whole shit show is my parents doing 50%.

OP posts:
Yalta · 13/04/2024 06:44

Bluesky91 · 12/04/2024 22:32

Property prices and rents are super expensive where we live.

Well then they are going to have to move away. Maybe nearer the school he works in,

If db and sil truly can’t afford to buy or rent anything then that is what benefits are for

I suspect db and sil can afford to buy but why make life difficult when your parents are paying for everything and doing everything for them. Are they expecting the house eventually

Your parents should be a bit more concerned about how their ds is going to cope after they have gone.

I would suggest that parents think about helping in a practical way for their ds and his wife to stand on their own 2 feet.
I would even broach the subject of what will happen after they have gone because if dB cannot afford a 1 bed flat how is he going to run a 5 bed house

Direct parents to look at what a teachers salary pays and a minimum wage job pays and what benefits they would be entitled to if they moved out on their own

I think they could be shocked at how much they are earning.

How do your parents think a family of 3 live on 2 minimum wage salaries
Do they think everyone moves in with their parents?

Bluesky91 · 13/04/2024 06:44

PinkArt · 13/04/2024 01:13

Has your brother never moved out? And never paid any rent or bills? If we are taking £30k as a teacher salary, allowing for fluctuations for experience and inflation etc (without knowing his age but assuming 30s seems a good guess from what you've said) that could be £300k gross that he's earned and 'cant afford to move out'. Plus his wife on £20k a year if she's full time could have banked further tens of thousands. So potentially they could have a good quarter of a million in savings.
I think you have to leave them all to work out what they want between them, but please don't buy into the bullshit that they can't afford to move out. Even in London that could just about buy them a one bed, cash.

Just to be clear on a few things here:

  1. They (mum, dad and DB) all think my brother is very poor because he cannot buy a house like mine - oh wait, even if he can, they think “making him take a mortgage” is “pushing him to debts” “cruelty”
  2. when they say DB can’t afford to live on his own, they mean living in a 3/4 bed house + the lifestyle
  3. DB won’t move to a cheaper area
  4. DB won’t take a betteR paying job or a role with more responsibility
OP posts: