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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Inheritance

441 replies

realsavagelike · 14/10/2025 00:21

Inspired by a currently active thread, surely there must be some MNetters out there who haven't inherited anything from grandparents or parents? DF is still alive - I'm pretty sure DM, who passed away a couple of years ago, left everything to him, and I'm not holding out for any inheritance from DF as I feel it is safer to assume any assets could well be eaten up by care home fees or any unexpected events. I inherited nothing from any grandparents. Yes, you bet I am jealous of those who have been more fortunate than I in this area! Is it just a Mumsnet thing where people expect to, or have received, an inheritance?

OP posts:
realsavagelike · 14/10/2025 09:43

Blogswife · 14/10/2025 07:51

Nothing for me Op. I’m proud to have worked hard all my life for everything I have and to have saved for my own future. I’m also happy that my parents lived long enough to spend all of their savings - thats the legacy my parents left me and I’m very content with it.
Don't get me wrong, a windfall would be lovely but it’s not going to happen !

This. This is what I was trying to say!

OP posts:
TryingToBeHelpful267 · 14/10/2025 09:40

I’ve never received any inheritance as my grandparents on both sides believed my mother and father would be fair and pass on some money to their children. They didn’t 😂

I was not surprised as I know my parents well enough to know what they’re like, I suppose it’s sort of sad that their parents didn’t 🤷🏻‍♀️

Hasn’t upset me though as I never expected anything, I think if you expect something it must sting a lot more.

MermaidMummy06 · 14/10/2025 09:40

Wadadli · 14/10/2025 06:56

Tell your (aunt and) uncle no! Let them use that money for paid care instead of taking the piss out of you.

Only my uncle. He never married. His partner was unpleasant & tried to disinherit her own DC.

However, DF has since found out what's in Uncle's will & has had a go at him, telling him to leave some to his siblings! (Not from me - I'm executor & have a copy of the will so it's confidential - despite DM's creative attempts to get me to let it slip!! 🤣)

Tryonemoretime · 14/10/2025 09:40

DoAWheelie · 14/10/2025 06:26

I'm banned from driving for medical reasons. I also have no one who could sign a passport for me.

Can you get a rail card? Or if you are over a certain age, a bus travel card? Or you can apply for a photo ID to vote. Or you can go to your post office to get an identity card
'Issued by CitizenCard, it's just £15 and accepted as official ID across the UK. Use your Post Office PASS card to prove you're under 16, over 16 or over 18.

realsavagelike · 14/10/2025 09:39

andthat · 14/10/2025 07:35

So your parents are still alive @realsavagelike but you’re jealous of people whose parents are not?!

I mean… I know that’s being obtuse, but you need to reframe things!! You do realise that inheritance means there has been loss, don’t you??

Of course I would not rather my parents were dead. That was not my point.

OP posts:
birling16 · 14/10/2025 09:38

I was led to believe I would be inheriting. I did the bulk of the care and worry for 20 odd years.My male sibling influenced my mother and got the lot.

PruthePrune · 14/10/2025 09:37

Both my parents had died by the time I was 21, I didn't get a bean. The sense of entitlement on display here at times does amuse me. I remember someone moaning about having to pay inheritance tax, it didn't seem to occur to them to be grateful that a large amount of unearned money had landed in their lap.

FilthyforFirth · 14/10/2025 09:35

I inherited just shy of £20k from an estranged grandparent (all the grandkids did, our parents were bypassed). Both mine and DHs parents are divorced, all home owners, savings etc. So in theory we will inherit a fair amount, as the eldest in both families we are executors for all bar 1 parent. Usual caveat of care home fees etc.

4 grandparents remain (all on my side) into their 90s so I expect my parents to inherit at some point. Given they are both mortgage free some of that may trickle down to me and my siblings.

I appreciate we are in a privileged position. We both work, have good pensions etc. I expect if we do inherit a lot of it will be passed on to our boys. Our parents are relatively young, mid 60s, so I expect them to be around for a long long time and am not banking on anything.

oldclock · 14/10/2025 09:35

4catsaremylife · 14/10/2025 02:16

My mum died and left everything in a mirror will to dad who had undiagnosed dementia and rapidly declined after her death.
After I endured a hellish 13 months of working full time, parenting my own ND adult children still at home, trying to manage paid carers, cleaning dad's home, doing his shopping etc, then he had one fall too many and had to move into a lovely nursing home which he quickly settled in (TBF I would move there in the blink of an eye just for the rest and cooked breakfast). Within 9 months all savings gone within 12, their beautiful bungalow was sold to pay for the fees, it made me feel sick.
My mum would have been furious for the grandchildren's inheritance to disappear had she realised it would happen. She had always hoped to leave them each enough for a home deposit.

So who should have paid for your Dad's care, in a home that sounds like it cost more than the council would have covered?

nomas · 14/10/2025 09:34

Americasfavouritefightingfrenchman · 14/10/2025 07:42

Also honestly if you got to choose I’d 100% prefer that my parents died suddenly next year than that they developed dementia next year, soon didn’t know who I was, and lived for another 5 or 10 or 20 in a care home confused as to what was happening to them and becoming gradually less and less coherent and more frightened.

I think when people say they’d rather have that extra time they rarely think what that time would be like and if it would really be a good thing for their loved ones.

Obviously there are lots of in between scenarios but the one where you effectively lose your parents to dementia first seem to be the ones that most typically result in all their money going to care fees so as you say those people just lose both 😢

Edited

Agreed. I lost my dad to cancer and the last few months of his life were horrible, he was in constant pain. If he had died in his sleep overnight in good health, it would have been preferable.

An inheritance would have cushioned the blow for his children and wife.

I always find it’s the people who have an inheritance who say things like they would give it all back for a day with their parents.

TheNinkyNonkyIsATardis · 14/10/2025 09:32

On my mum's side there was very little left.

They manage finances very carefully on my dad's side, split between 5 siblings who share responsibility for a disabled relative who has lived in care their whole life.

My parents have given us significant sums, and outlined what they intend to leave us.

I just wish they'd a) have spent a bit more money on fun when we're young - I can earn my own money now, I was under their excessively frugal regime as a child, and b) they'd spend a bit more money enjoying themselves and with us now as adults.

Craftysue · 14/10/2025 09:32

My dad announced a few months ago that he's leaving everything to my brother. I've looked after him and my late mum for years but after my husband died I had to reduce what I did - I just needed time to grieve. He's annoyed that I'm not at his beck and call . All I feel is immense relief - I don't need a penny from him and it's wonderful to have my life back. And no my brother doesn't do much for him either!

hididdlyho · 14/10/2025 09:29

I don't think getting an inheritance eases the pain of losing a parent and I say that as someone who has never inherited anything and lost my father quite young. It's not like you have any control over how long your parents live or what your parent's do with their money and the financial decisions they make.

You wouldn't tell someone who's lost a parent and not received an inheritance 'at least you were privileged enough to be born into Western society, so are richer than the majority of the world's population'.

FreeRider · 14/10/2025 09:28

My mother - lives abroad in social housing, there will be nothing to inherit. In fact she's already asserted that she will die owing a lot of money on credit cards.

My father - been totally estranged since 1989. Don't know where he lives, even if he's still alive. No inheritance there, either.

Both parents managed to alienate their respective families decades ago. All grandparents are now deceased, didn't leave anything to either parent or myself and my brothers...didn't expect them to.

AnneShirleyBlythe · 14/10/2025 09:26

Chenecinquantecinq · 14/10/2025 07:16

Not a lawyer but for those wanting to avoid care home fees I think if parents hold house as tenants in common then leave their share to children/grandchildren in will it cannot be touched. My parents were advised to do think but since I would never put them in an NHS care home I told them not to bother however it is a way of stopping their house (or at least all) of it being taken in fees.

My parents have done this. So if one dies & the other subsequently needs to go into a care home only half the house will be used for care fees. The other half is left to the DC by the deceased parent.

Ohjoyohbliss · 14/10/2025 09:25

Bringemout · 14/10/2025 06:16

People who say “i inherited loads but I’d rather have that person” don’t seem to get that the vast majority of people will watch their parents die. Nothing will replace a parent but being left some money can make such a difference to peoples lives.

I’ve been lucky in this respect with cash gifts (not hundreds of thousands or anything)and probably a lump sum at some point, DD will be set. I’m going to die anyway, I’d like my DD to have her life be a bit easier after I die because my death is pretty inevitable. It’s not going to make you happy but being able to help your own children is a massive gift.

It's you who isn't getting what these PPs are saying. I expected that my DP's money would be used in care home fees so I didn't anticipate getting an inheritance and planned accordingly. In the end they died much earlier than expected and mum went very quickly. It left me enough money to retire early and travel, but i would have given back every penny to have had another 10 years with her and her being able to enjoy her own life for longer.

Of course we expect our parents to die before us, it's the nature of the sudden / early / unexpected passing that causes these feelings.

Tessasanderson · 14/10/2025 09:23

Just had a 6 figure inheritance from my father who passed away recently. DF & DM spent their entire lives being careful with their money. Took every opportunity to tell me what they had even on the occasions where i was struggling to buy food for my household. Never bought birthday or christmas presents for their children or grandchildren. TBH After 16 we never really had much of a relationship at all. There were a few bits of money more recently which were appreciated but didnt in any way make up for lack of contact imo.

I wanted my inheritance as, in my eyes it was the pay off for the lack of family for the last 35 years. If thats cold then so be it.

Give my DF his dues, over his dead body was he going in a home. He fought every illness to the end and every second he spent in hospital was a second too much in his eyes. He signed himself out multiple times against the doctors wishes. He was abusive to nurses and even though he shouldnt have been sent home, they couldnt overide his wishes.

Last couple of months we got him private healthcare at home and he passed away relatively peacefully, dosed up on morphine.

TBH i will not be like my DF but i totally understand the battle he had for the last 12 months to ensure his money wasnt swallowed up. I would probably do the same.

Didimum · 14/10/2025 09:22

I received £1k from my grandmother and £65k from my dad. I would have preferred to keep dad obviously as he died young.

childofthe607080s · 14/10/2025 09:17

tripleginandtonic · 14/10/2025 09:14

Be worth getting some photo ID then

Edited

Can be chicken and egg if you need to pay to get it / no driving lisence ? Passeport or a notary to sign your ID isn’t cheap

tripleginandtonic · 14/10/2025 09:14

DoAWheelie · 14/10/2025 04:07

I was supposed to get £1k when my dad died but it's been over 18 months now and his bank are refusing to pay it out as I don't have photo ID.

I'm very unlikely to outlive my mother baring catastrophic accident so I won't be getting anything there either. All aunts and uncles have several children each. I don't think I'll get a penny anywhere.

Be worth getting some photo ID then

KimTheresPeopleThatAreDying · 14/10/2025 09:13

Bringemout · 14/10/2025 06:16

People who say “i inherited loads but I’d rather have that person” don’t seem to get that the vast majority of people will watch their parents die. Nothing will replace a parent but being left some money can make such a difference to peoples lives.

I’ve been lucky in this respect with cash gifts (not hundreds of thousands or anything)and probably a lump sum at some point, DD will be set. I’m going to die anyway, I’d like my DD to have her life be a bit easier after I die because my death is pretty inevitable. It’s not going to make you happy but being able to help your own children is a massive gift.

This. I won’t inherit anything but I’ll still see my DM die.

Those saying they don’t want to pay for their own care - who do they think should pay for it?

Merryoldgoat · 14/10/2025 09:12

Reasontoreason · 14/10/2025 09:11

I always joke the only think I am likely to inherit from my parents is debt . Luckily I am financially more stable than they ever have been.

I got high blood pressure. It’s the same as a load of money isn’t it?

Americasfavouritefightingfrenchman · 14/10/2025 09:11

Another2Cats · 14/10/2025 08:38

I'd be interested to see where you got that figure from.

The current figures for those that go into care are nothing like that.

Today, if you are currently aged 65, then you can expect to live to 87.5 on average if you're a woman and 85 if you're a man (source ONS).

Of women aged 80-84 there are 3.9% in care homes, but this does more than double to 8.7% for those aged 85-89.

(the figure does rise dramatically for those aged 90+. The figure is 21%, so if you live past 90 you have a one in five chance of ending up in a care home, but a four out of five chance of not being in a care home)

The comparable figures for men are 2.4% for those aged 80-84 and 4.6% for those aged 85-89. So, only one man in twenty aged 85-89 is in a care home (and the average age of death for men is 83).

(source ONS)

So, take 100 women aged 65. Very few indeed will be in care homes before the age of 80. The ONS figures show that out of these 100 women aged 65 then 2.5 will be in a care home before they get to their 80th birthday.

The ONS says that 76 of them will make it to their 80th birthday. Then 59 will make it to their 85th birthday. So, that's an average of 69.7 women at each year between the ages of 80 and 84.

The figures say that 3.9% of those are in care homes, so that is 2.7 women on average in a care home.

Then from having 59 women alive at the age of 85 this falls to 35.8 by the age of 90 and there is an average of 49.9 women alive between the ages of 85 and 89.

The figures say that 8.7% of those women are in care, so that is 4.3 women.

For the 35.8 women that get to the age of 90 and beyond, the figures say that 21% of them will be in a care home, that is 7.5 women.

So, out of a total of 100 women aged 65 today, the figures suggest that 2.5+2.7+4.3+7.5 = 17 women will go into a care home.
.

The similar figures for men are quite a bit lower, partly because many fewer men go into care and also because they don't live as long:

Take 100 men aged 65 today. Of those, 2.3 will go into care homes before they are 80.

67 of them will make it to their 80th birthday and 47 will make it to their 85th birthday.

Of these, 2.4% or 1.4 men are in care.

From those 47 men at age 85, 24.5 will make it to their 90th birthday.

Of these men 4.6%, or 1.7 men, are in care.

For the 24.5 men who make it past 90 then 10.1% or 2.7 men are in care homes.

So, for 100 men aged 65 today then there will be 2.3+1.4+1.7+2.7= 8.1 men who go into care homes.

Overall, for every 100 men who are 65 there are 105 women.

So, combining the mens and womens figures gives an average of 12.7 people out of every 100 who are alive at the age of 65 who will go into care homes.

Edited

& the above (I think) assumes that those in care homes at 80/85 are different people to those in care homes at 90 (which they may be but equally may not be)

Reasontoreason · 14/10/2025 09:11

I always joke the only think I am likely to inherit from my parents is debt . Luckily I am financially more stable than they ever have been.

MaturingCheeseball · 14/10/2025 09:09

Nowt here. Grandparents had 9 and 8 dcs respectively and did not own their own homes. My parents died before house price inflation leaving very little, and the pil both got dementia. They galloped through in turn £600k in care home fees. When fil died he was under the £23k threshhold, but he had left instructions for a very costly funeral which dh&siblings honoured - so basically about £1k was left which paid for a big family meal.