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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Giving grandchildren different amounts of inheritance

257 replies

Darinki · 25/05/2024 23:52

Good evening all,
I am posting on behalf of a friend who isn’t massively tech literate but is seeking advice, obviously she will get professional advice but it is causing a lot of worry and I want to give her some opinions to help in decision making, she knows I am posting and has encouraged it.

My friend is in her 70s, she’s recently been diagnosed with terminal cancer, her husband passed away in 2022.
She had two children, one passed away many years ago the other is in his mid 50s. She has 3 grandchildren, 2 are her sons and 1 is her late daughters. They are all between 18-22.

When it comes to assets all she really has is her house, she got a valuation done recently and it was was around 1.2 mil. She also has some cash savings but she suspects these will be spent on care as her condition worsens.
She has already spoke to her son and he has suggested when she re-writes her will they just skip a generation and go straight to the 3 grandchildren.
Her daughters daughter got inheritance from her mum, she owns property in London worth around 700k at 22 so not doing badly at all, she also has no student debt.
Her sons children will have student debt and other than small savings from their parents no house deposit etc.
Her son thinks because of this the inheritance should be split 10/45/45 or similar. This would still be say £100,000 if not a little more to the cousin who owns property already, but it would also give his 2 children the opportunity to buy a better property. They all live in the London/SE area so housing is expensive!
My friend however is worried that this is unfair on her granddaughter, and is getting herself very stressed trying to decide. She sees merit in both arguments.
so
YABU - It should be equal they all deserve the same
YANBU - It makes sense to give those who have less now more

Thoughts?

OP posts:
Chouquettes · 26/05/2024 09:58

Strictly I would say what would have been the daughters half should go to her child and the son is free to do what he wants with his half ,ie give to his kids. I think this would be what happened if she died intestate. If not at least divide three ways. The grand daughter maybe well set up financially but she lost her mother early on and no amount of money makes up for that.

Needanewname42 · 26/05/2024 09:57

@Darinki reading your update the girl lost her mum when she was young child. The son is absolutely callous to say he doesn't like the girl. I bet he never gave any support in the years after her mother's death.

Go for a 50/50 split. No arguments. The girl inherits her mums share.
No way is 10/45/45 a fair split if the DD was alive she'd be entitled to her share.

I know someone who did the 90/10 split between a brother and sister, causing a massive rift between two who were close, 15 years on they barely speak.

entiawest · 26/05/2024 09:54

Equal split.
Some people are so grasping and greedy when it comes to inheritance

noctilucentcloud · 26/05/2024 09:53

It should be split equally. In the proposed uneven split the granddaughter's lasting feeling would be my grandma didn't love / like / care about me. I also think it could cause difficulties in family relations going forward.

I have a friend whose mum died when she was young. There was a short moment when I was envious of her beautiful house as I could only afford shared rental. But I then gave my head a good wobble as it was only because her mum had died that she could afford it. She would have given up that house in a heartbeat to still have her mum.

I'm sorry for your friends diagnosis.

LadyinLavende · 26/05/2024 09:49

In France the law requires half to the granddaughter and a quarter each to the other kids - as previous posters have said - the grandmother had two children so each of their families gets half:

I must admit, however, to having thought MiL was being extremely unfair when she used the same system to make a gift to her three grandchildren: my niece still has both her parents, but grannie gave 50% of the sum to the niece, her daughter's child, and 25% each to our sons : her son's children: (the fact that the niece is a spoilt spendthrift made it particularly galling - she lives rent-free in an appartment her mother owns and Daddy gets her car serviced and fills the tank for her): At least our children know the value of money:

So back to the OP, if grannie wants to "level the playing field" she can split it 33% three ways:

HouseofPies · 26/05/2024 09:44

Surely it’s a no brainer?

As her daughter has passed, her portion goes straight to her child so 50% to granddaughter and 50% to her son.

Otherwise, split equally between each grandchild, but definitely not more to son’s kids. He’s being a right cheeky fucker!

DottieMoon · 26/05/2024 09:38

I think the son’s suggestion is outrageous and completely unfair. It should be split equal.his children will inherit later in life again when he dies but the daughters child will
not. She wouldn’t get less because she lost her mum early in life.

Didsomebodysaysnacks · 26/05/2024 09:38

I'd also be getting the grandkids together to discuss why I'd done it that way and giving them a copy of the will each so the greedy git couldn't muck about with it. He just showed he's a scumbag, don't let him act it out.

mondaytosunday · 26/05/2024 09:37

Split equally. That's the only way.
What if one of the kids married well? What if one of them has five kids and the other two one? What if one gets a well paying job the others chooses a career less financially rewarding?
You can't take all that into account.

BurnerName1 · 26/05/2024 09:34

Ponderingwindow · 25/05/2024 23:57

I would give half to the granddaughter and then give half to the son. That way she is splitting the money equally between her two children.

Her son can forward his portion to his children if he wishes

This.

Moglet4 · 26/05/2024 09:33

Darinki · 25/05/2024 23:52

Good evening all,
I am posting on behalf of a friend who isn’t massively tech literate but is seeking advice, obviously she will get professional advice but it is causing a lot of worry and I want to give her some opinions to help in decision making, she knows I am posting and has encouraged it.

My friend is in her 70s, she’s recently been diagnosed with terminal cancer, her husband passed away in 2022.
She had two children, one passed away many years ago the other is in his mid 50s. She has 3 grandchildren, 2 are her sons and 1 is her late daughters. They are all between 18-22.

When it comes to assets all she really has is her house, she got a valuation done recently and it was was around 1.2 mil. She also has some cash savings but she suspects these will be spent on care as her condition worsens.
She has already spoke to her son and he has suggested when she re-writes her will they just skip a generation and go straight to the 3 grandchildren.
Her daughters daughter got inheritance from her mum, she owns property in London worth around 700k at 22 so not doing badly at all, she also has no student debt.
Her sons children will have student debt and other than small savings from their parents no house deposit etc.
Her son thinks because of this the inheritance should be split 10/45/45 or similar. This would still be say £100,000 if not a little more to the cousin who owns property already, but it would also give his 2 children the opportunity to buy a better property. They all live in the London/SE area so housing is expensive!
My friend however is worried that this is unfair on her granddaughter, and is getting herself very stressed trying to decide. She sees merit in both arguments.
so
YABU - It should be equal they all deserve the same
YANBU - It makes sense to give those who have less now more

Thoughts?

I’m sorry, but there’s only one ‘fair’ way of doing this and it’s certainly not what her out-of-order son is suggesting. Half to the son which he can then give to his children straight away if he wishes or hang on to for them to inherit in his death and half to the granddaughter.
Also if Grandma has effectively 1m as you seem to suggest the 250000 is still a bloody good house deposit, even in the SE!

Didsomebodysaysnacks · 26/05/2024 09:32

In my family we the inheritance went to the children equally with the share for the dead one going to his children. Anything else would be wildly unfair.

rizzolizzo · 26/05/2024 09:30

That would be VERY unfair on her DGD. I think she should do either:

  1. Equally split between the 3 DGC (so 1/3, 1/3, 1/3 each)

  2. 1/2 to her DGD (late daughter's child) and 1/4 each to her DGS (son's child). This would mean effectively her children get half each and assumes they would pass their shares to their own children.

Your friend's son is being awful.

I think your friend should do the equal split (option 1) and explain clearly to her son that because he has more children, this option actually benefits them so they will be getting more help.

Lenoftheglen · 26/05/2024 09:29

So the son has suggested the inheritance skips a generation...

Wily fucker!

It should not skip a generation and should be 50/50 to gran's children. Now because the poor niece's mum has died the 50% will then, quite rightly, go to her. What she inherited from her mum, and what she will inherit is of no business to nasty uncle. He will get his 50% and can do with it what he chooses.

It should absolutely be 50/50 and gran can surely see that.

TemuSpecialBuy · 26/05/2024 09:13

unsurprisingly Interestingly not one person has said

”oh yes. The sons proposal sounds reasonable and fair”

I think that says a lot…

Toptotoe · 26/05/2024 08:55

Her son is being a bit naughty to try and influence his mum like this. Presumably the sons children will inherit from him in due course just as the daughters daughter did. If the daughter was still alive presumably she would leave a 50 50 split between her children . I think 50% should go to the son ( he can give it to his kids if he wants) and 50% should go to the grand- daughter.

rosalynd34 · 26/05/2024 08:55

Ponderingwindow · 25/05/2024 23:57

I would give half to the granddaughter and then give half to the son. That way she is splitting the money equally between her two children.

Her son can forward his portion to his children if he wishes

I would do this too

SmallGreens · 26/05/2024 08:53

No this is wrong.

Why would she punish the girl for something out of her control.

It needs to be equal. Her prior circumstances are irrelevant

Toptotoe · 26/05/2024 08:51

Ponderingwindow · 25/05/2024 23:57

I would give half to the granddaughter and then give half to the son. That way she is splitting the money equally between her two children.

Her son can forward his portion to his children if he wishes

This is what I would.

StealthNameChange · 26/05/2024 08:51

I’ll say firstly that it’s completely up to your friend. However, having been at the end of a ‘tiered’ inheritance, it hurt. My Gran did the following:

Cousins ABC- £15k
Cousins- DE- £1k
Cousin F- £0

My brother and I were cousins D and E and, whilst I spoke to my gran regularly, my dad had a falling out with my auntie who was the mum of cousins ABC and F. My auntie was the favourite and I wonder whether that had something to do with it 🤷‍♀️

My gran clearly hated Cousin F.

GG1986 · 26/05/2024 08:50

The son is being greedy and unfair to suggest that! It isn't the granddaughters fault that her mum died and she's already had some inheritance. I would split equally and make it fair. The son has no right to tell his mum what to do with her will and her money just so it benefits his sons.

bananaramaterry · 26/05/2024 08:45

Allthehorsesintheworld · 26/05/2024 08:31

I’d have to split equally.
GD only has money because her mum died. Son’s dc will also inherit from him in time so split in 3 equally is fair.

I would argue that had the daughter been alive, the inheritance would've been split 50.50 to the two family's.

They then could've varied the will (they have two years), to pass to their children if they wanted.

So actually I think the DGD is still not getting her fair share.

Alaimo · 26/05/2024 08:44

When my grandmother died us three grandchildren received 1/3 each (although our inheritances were 4 figure sums, not 6 figure ones!). To me this felt fairer than the prospect of getting 50%, while my cousins only got 25% each.

Giving one grandchild only 10% is crazy. Especially as the two other grandkids presumably will also receive a second inheritance when theirs parents eventually die.

bananaramaterry · 26/05/2024 08:43

So because the DGD mother died, she loses some of her inheritance?

Seems unfair?

In fact I would argue that actually it should be split 50/50 between the two family's, so the DGD gets what she would've got had her mother not died.

WillMo · 26/05/2024 08:32

Share it equally.
Anything else will lead to resentment and upset.