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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to prioritise supporting my teens over funding my mum’s rent?

189 replies

Lemonspoon123 · 25/03/2026 17:06

I am looking for some MN wisdom to get me out of a bind!
I have a 73 yo DM who works full time and with her partner, is living in privately rented accommodation. They share the rent. He does not work and lives off an inheritance. He is 10 years younger than her. She has been saving her state pension and as a result has around £90k saved. Neither of them own any property.
I am in my fifties and have recently been made redundant from a high paying job and have saved hard over the years. I came from poverty and worked my way up the corporate ladder. I am now without an income ( temporarily 🤞) DH has a well paying job. We have 2 teenage DC, eldest is off to Uni in Sept.
My dilemma is that its been apparent for some time that it will be on me to financially support my mum when she can no longer work, because her pension wont cover her rent. She and her partner are also not keen to move from their idyllic location to cheaper rental in a nearby town.
I have been going round in circles trying to plan what I need to do to financially prepare and feel stuck between financially supporting my mum and at the same time DCa through uni so I can minimise their debt. I also want to make plans for my future and when the kids have left home possibly explore living abroad too. It feels overwhelming to financially support DCs through uni AND my mum and partner, especially without a current income. AIBU to focus more on the DCs and myself? Or is it right to have parents as dependants too? Would really value some perspective and solutions! Thx x

OP posts:
Lemonspoon123 · 25/03/2026 17:37

Do you own a property @Hatty65

OP posts:
Lemonspoon123 · 25/03/2026 17:36

Thanks @BlueMum16

I think I need to tell them they need to look at other accommodation options and that I will not be subsidising rent

This thread has helped me crystallise my thoughts, thanks all. I was really uncomfortable with offering this type of support and it seems I was not crazy to feel this way!!

OP posts:
Hatty65 · 25/03/2026 17:36

Lemonspoon123 · 25/03/2026 17:19

I guess I just feel responsible, being a homeowner, having earnt well in life and at the same timd having watched my mum struggle through life has been hard! DM hasnt asked for help, but it is assumed I will because I am so much better off than her.

I suspect we have a different definition of 'struggle'.

I'm retired and 90k in savings is an absolute fortune for me.

Aislyn · 25/03/2026 17:33

Lemonspoon123 · 25/03/2026 17:14

Thanks for the responses everyone. Appreciate it
@WhatNoRaisins I never thought of it like that.

I guess I was thinking the £90k wont last that long, if she gives up work next year for example and lives another 20 years! She will not even entertain a move!

She can fund herself to begin with. When it runs out she could apply for housing benefit. Though in an ideal world she would plan accordingly and rent a cheaper place within her means

BlueMum16 · 25/03/2026 17:32

Lemonspoon123 · 25/03/2026 17:19

I guess I just feel responsible, being a homeowner, having earnt well in life and at the same timd having watched my mum struggle through life has been hard! DM hasnt asked for help, but it is assumed I will because I am so much better off than her.

She's not struggling by the sounds of it.

She's choosing to work - great.
Her partner is choosing not to work - fine he's got inheritance
She has savings - fantastic
They can support each other.
If they can't they can move, claim benefits etc.

Your mum is not your responsibility with almost £100,000 in the bank!

Summercocktailsgalore · 25/03/2026 17:30

Why should you responsible for a working age male who has chosen to not work?

I have every sympathy for elderly parents of both ork, live in affordable accommodation,

Option E is :
they move somewhere cheaper, they both work until 75 and any contribution you make is matched by the chikdren of your mum’s partner!! Or is that not the way they think they are going to be financed.

Pedallleur · 25/03/2026 17:30

Will she also be drawing a works pension? She will have been in receipt of State Pension for the last 8 years hence the savings but is there another income due when/if she retires? In the event of her death would her partner be able to afford the rent and similarly if he were to die would she get any money he has?

MrsMoastyToasty · 25/03/2026 17:30

Your DC are financially dependent on you until they are in employment. Your DM is not Your dependent.
Your redundancy is a compensation payment for the loss of your employment.
You should claim UC or ESA for yourself while you are unemployed. By submitting a claim then your national insurance contributions continue to be paid.

GertrudePerkinsPaperyThing · 25/03/2026 17:29

Are you sure you’re that much better off? Bearing in mind she has 90k - 90 k is a lot!

CinnamonBuns67 · 25/03/2026 17:28

Not your responsibility, it's on her and her partner to fund their life. Yanbu do not support your mum and her partner financially.

SecretSquid · 25/03/2026 17:27

If your mum hasn't said anything, how has it become apparent that you are expected to sub her rent? If she has been dropping hints then you need to knock it on the head asap.
"So Mum, if you won't move, how do you plan to pay your rent when you retire? Because obvs I won't be able to help, I have children to support."

TFImBackIn · 25/03/2026 17:25

Lemonspoon123 · 25/03/2026 17:19

I guess I just feel responsible, being a homeowner, having earnt well in life and at the same timd having watched my mum struggle through life has been hard! DM hasnt asked for help, but it is assumed I will because I am so much better off than her.

Look, she's not struggling now if she's got nearly £100K in the bank! A lot of pensioners don't have £100 in the bank. I would just keep asking how she's going to fund things and look shocked if your name crops up.

Catza · 25/03/2026 17:22

How exactly did it become apparent that you are expected to subsidise rent? And once it became apparent, why isn't you set the record straight?

If my mum was single and struggling, I would absolutely help her in any way I could (not that she would ever think of asking me and also I don't have any dependents) but my mum also has a partner and, as much as I love him, I certainly would not be in any way inclined to finance him as well.

Pedallleur · 25/03/2026 17:22

MrsHaskell · 25/03/2026 17:11

Your DM will need to use her savings to pay rent and once exhausted she will need to claim housing benefit (if entitled). She might need to move.

They will have two state pensions.

Edited

He won't draw state pension for 4 more years and depending on his employment record that might not be the full pension (12.5k). How did they think the rent would be paid or is there an expectation of payment? He got an inheritance. How much was it, how much is left?

Tontostitis · 25/03/2026 17:21

You're a fool if you pay her rent

Maray1967 · 25/03/2026 17:21

Lemonspoon123 · 25/03/2026 17:14

Thanks for the responses everyone. Appreciate it
@WhatNoRaisins I never thought of it like that.

I guess I was thinking the £90k wont last that long, if she gives up work next year for example and lives another 20 years! She will not even entertain a move!

She will have to if the money runs out.

Don’t overthink this. She has a partner. They need to sort this out between them. I can’t imagine assuming my DS would need to bail me out because I’d rather not move.

Lemonspoon123 · 25/03/2026 17:19

ChurpyBurd · 25/03/2026 17:15

Quite!

Option A - use the savings. That's exactly what they're there for.
Option B- the partner covers the shortfall.
Option C - they move to a cheaper property.

Where on earth has Option D - you become responsible for your DM AND the partners idyllic lifestyle, come from??
Has your DM suggested this should be the case?

It's not like you're paying for a care home.
I don't think this should even be a concern for you right now.

Edited

I guess I just feel responsible, being a homeowner, having earnt well in life and at the same timd having watched my mum struggle through life has been hard! DM hasnt asked for help, but it is assumed I will because I am so much better off than her.

OP posts:
DaisyChain505 · 25/03/2026 17:19

This is absolute madness. Of course you shouldn’t have to financially support her.

Shes an adult, she not living alone, she’s had her whole life to think about retirement and she has 90k in savings! If she can’t see things working out financially she needs to down size, simple.

You need to be putting your family unit first, 100%.

Lemonspoon123 · 25/03/2026 17:16

Thanks @FalseSpring I think I need to sit her down and talk sense to her. She is avoidant by nature and agree she should buy a place. They wont be keen to move though!

OP posts:
begonefoulclutter · 25/03/2026 17:16

Lemonspoon123 · 25/03/2026 17:14

Thanks for the responses everyone. Appreciate it
@WhatNoRaisins I never thought of it like that.

I guess I was thinking the £90k wont last that long, if she gives up work next year for example and lives another 20 years! She will not even entertain a move!

Oh, so she won't entertain the idea of a move...

If she thinks you are going to fund her lifestyle, she's got another think coming then, hasn't she?

ChurpyBurd · 25/03/2026 17:15

Swiftie1878 · 25/03/2026 17:11

I have no idea why you have reached this conclusion. Why on earth would it be on you to support your mother?

Quite!

Option A - use the savings. That's exactly what they're there for.
Option B- the partner covers the shortfall.
Option C - they move to a cheaper property.

Where on earth has Option D - you become responsible for your DM AND the partners idyllic lifestyle, come from??
Has your DM suggested this should be the case?

It's not like you're paying for a care home.
I don't think this should even be a concern for you right now.

BuffaloCauliflower · 25/03/2026 17:14

She’s got £90k to cover her rent? Why would it fall to you? In the event that all runs out she may be able to claim UC to cover rent. It’s absolutely not your problem to supplement here, she has plenty of money. Your children are your priority.

FalseSpring · 25/03/2026 17:14

With £90,000 your DM could buy a retirement apartment outright (and I am in the south of England!). Why continue to pay rent when you can afford to buy? I think she needs to be realistic.

Easterbunnyishotandcross · 25/03/2026 17:14

Of course you aren't responsible for your dm's rent. . Your responsibilities are to your dc and them alone..

begonefoulclutter · 25/03/2026 17:14

It is absolutely NOT your responsibility to pay your mum's rent. She can jog on. If it gets to the point where they are short of money, they will have to downsize to somewhere cheaper or apply for benefits. Not your problem.

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