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AIBU?

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Giving my inheritance to my mother?

133 replies

saak952 · 11/09/2025 21:33

My parents divorced when I was a kid, mum remarried. I’m in my late twenties now, have a husband, a baby, dog, mortgage and stable job. Recently my biological father passed away, I’m one of his four children, so got a quarter of the estate (under 70k). My mum is of Asian origin, she still takes care financially of grandma who lives in her country of origin, so my mentality is kinda east-influenced.
In the divorce between my parents, my mum did not get half of their joint assets, it was a joint verbal agreement which my father didn’t really uphold. And she didn’t want to fight for my financial support I guess or didn’t know any better. Or didn’t want to go to court. Then she met my stepdad so maybe she felt financially more stable but still kept reiterating how she’s raised me single handed and educated me, put me on my feet etc. She’s worked all her life in a skilled job anyway. (Just for some background).
In the inheritance process, she’s been handling some of the things on my behalf because i was quite pregnant at the time and then recovering from c-section and baby obviously. During this process she’s made it clear how much of an emotional baggage it is for her, having to go back to the old house (once), etc, reminiscing her first marriage, etc, how she could have gotten half of everything etc etc. basically I’ve been listening to it every week for the past year and bit. While postpartum.
Anyway, now everything is close to being sold and settled. my mother is going to be retiring in the next couple years. Even though she and stepdad are way more well off than dh and I, like our joint salary is one of theirs (similar fields but less experience)… I’m thinking - shall I just let her have this inheritance of mine? Have I gone loopy from hormones? All this chat about her being short changed by my father, and how she paid for my private school and uni etc…
And the background vibes of supporting elderly parents, if I give it up now, I won’t feel obligated in the future and can have a ‘free’ conscience. Am I making sense to anyone?
Also for some background/perspective - the largest financial gift from mum and stepdad as an adult was 1k for the birth of my baby, they didn’t bankroll our house or anything.
The 70k inheritance could pay a chunk of our mortgage though.

being unreasonable - yeah I’ve gone loopy.
not being unreasonable - gift her the money

OP posts:
WatchingTheDetective · 11/09/2025 21:44

So you and your husband together earn as much as your mother and yet you think you should give her your inheritance from your father? That's absolutely ridiculous. Don't even think about it. Your mother clearly has a PhD in guilt tripping. You need to recognise she's worked hard for that qualification and will try to use it whenever she can. Don't let her have any of your money.

saak952 · 11/09/2025 21:43

Thank you for your answers, I have some time still to think
i live quite far from her but obviously the weekly phone call is enough
true about the inheritance tax later on, but seems more like a drop in the ocean tbh

OP posts:
MrsTerryPratchett · 11/09/2025 21:42

What does your DH think? Because you are between two worlds. Kids care for parents (East) and parents care for kids (West). Yes, people commenting I know that is incredibly facile.

I’d give a token gift, but not the whole inheritance.

user9064385631 · 11/09/2025 21:41

You’re a parent now. Your responsibility lies with your own child. Start a pension/investment for your baby if you don’t want to keep it yourself!

saak952 · 11/09/2025 21:41

I understand that i might be compromising the finances of my own family for her gain, which is kinda true. I don’t know, I guess I don’t want any obligation later on, i already obviously feel obliged for financial decisions which weren’t mine (private school eg), so it’s likely I’m pretty brainwashed already. On the other hand, dh and I can theoretically earn more in the future, and we didn’t really rely on this chunk of money while planning our futures.

OP posts:
ACynicalDad · 11/09/2025 21:39

The wealth of the boomer generation is way beyond ours. Retirement will be tough for our generation, I’d keep for you and your kids.

Needspaceforlego · 11/09/2025 21:39

Your a kind daughter, but its daft to give it to her if it means you paying inheritance tax on it if it comes back to you a second time

I think I'd offer up something but not the full £70k money should flow down not up
You also have two kids to consider

Edit when I say something im thinking £5-7k or enough for her to have a holiday

Stompythedinosaur · 11/09/2025 21:38

Sorry, I think you aren't thinking clearly. Can you get some space away from your dm to think it through.

It sounds like your dm was treated unfairly during the divorce, but that isn't your issue to remedy. It sounds like she's better off than you are, and your primary responsibility is to provide for your dc.

I don't for a second think that, if you handed you money over, it would actually stop any future obligation. Things never seem to work that way.