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Elderly parents

Inheritance

63 replies

Sillybluecat · 04/07/2024 17:07

Two years ago my parents bought a second
property for £550k and let my brother live in it rent free.
They explained to myself and 2 sisters that that house would transfer to my brother when they died and us 3 daughters would be compensated.
Their main home is worth £1.6m and they live in the Channel Islands which are inheritance tax free.
My father has dementia and my mother is currently trying to transfer the smaller
house to my brother in her lifetime, but that is proving difficult due to my father’s health so
it has to remain in their names but if my dad dies first she can do the transfer (another story).

Whilst this has been going on my sisters and I have seen the will and are now aware that after the smaller house transfers to my brother, their remaining estate will be divided equally by 4 - no adjustment made.

My Mum has offered to pay off our mortgages which all happen to be £150k which we are o visually grateful for. but will not adjust for the £400k difference she is adamant that our brother will have the same share so
a house and a quarter. She says we all
own a house now and will all have money for retirement so what’s the problem. Us girls see it as her just paying off our loans not buying us a house.

We feel so hurt and upset and feels very unfair. We are a lot older than my brother he is 42 and we are 58, 56 and 53. We have worked hard, gone through divorce and suffered loss, to pay mortgages and bills, our health is not the best and at times we have had to work more than one job. I visit the island a lot to help my mum to give her a break. My sisters live overseas.

This is making me feel resentment and think my brother can do it, so as you see already causing trouble between siblings. I have 4 children of my own and wouldn’t dream of trying them differently over such a large amount of money.

It’s hard to know how to move forward with this situation. Does anyone have advice or been through something similiar? TIA

OP posts:
Whatevershallidowithmylife · 04/07/2024 20:49

Iwasafool · 04/07/2024 19:18

If one of my children treated me like you have treated your mother they would get nothing.

Absolutely this - absolute greed!

HeddaGarbled · 04/07/2024 20:46

We do grasp it and we still think she needs to be grateful for what she’s getting.

Psspsspssssss · 04/07/2024 20:40

Iwasafool · 04/07/2024 19:44

My kids wouldn't even think to ask, they all tell me to spend what we have and enjoy it and they don't expect anything. If you think it odd to think someone getting around £650k should be happy then I think you have some issues, most of us couldn't imagine such good fortune.

Maybe you equate money with love, not something I do or my children do, maybe an upbringing thing? Your poor parents, just walking cash machines.

Challenging your mother to the extent you make her cry because you want what you think is your fair share is shitty behaviour.

It isn't just in theory that they can do what they want with it, it is an actual fact.

King Lear had it right, "How sharper than a serpent's tooth it is to have a thankless child!"

Once again, it's not about money. It's about equal treatment.

You are only focusing on the money (and for the record, my parents have nothing, they are in a poor developing country, I pay for a lot of their expenses, which your children definitely don't do since they tell you to spend your money, you clearly have lots). You're saying OP should be happy she's getting 650K, but it's not about that!

If the OP's mother left her house to a cat's home, but divided the rest among her kids equally, it wouldn't cause any hurt feelings. As she's treating all of them the same. If she decided to leave nothing to any of them - same thing.

The issue here is, she's favouring one child over the rest.

If it was about something else... say, ice creams. Parent buys one child a small cone, and the other a big cone, for no obvious reason, people would definitely say it's unfair!
Buying one child nice clothes and the other hand-me-downs - also unfair!

Also I have no idea why you're obsessed with the crying. OP isn't a schoolyard bully or violent abuser, that's yelling at a victim making them cry. She and her mother are grown women. They had an emotionally loaded discussion, and she was crying too. That's a normal reaction. I don't think any one party should be blamed for 'making' anybody shed tears.

As @NomadAlone pointed out, it's not about the money at all. Very few posters seem to grasp this.

Tinkerbot · 04/07/2024 20:15

The second inheritance may only partially materialise as it could be eaten up by care costs.

i would get the mortgage paid off.

She favours her son and doesn’t care about hurting the daughters.

But you stand to inherit a lot even though son gets more. Just accept it. But how much help you give is up to you.

NomadAlone · 04/07/2024 20:10

nzeire · 04/07/2024 20:04

I’m in the astonished camp.

you are getting a massive gift and eventually a massive inheritance. Just be grateful.

and be kind to your mum ffs. Her life, her choice.

I understand completely what the OP is saying. It isn’t about the money, it is about the unequal treatment.

Mouswife · 04/07/2024 20:09

If she is adamant there is nothing you can do, but I would adamant that he helps her rather than you. He can’t have it both ways.

XelaM · 04/07/2024 20:07

HeddaGarbled · 04/07/2024 19:29

I genuinely think that you and your sisters are being greedy and ungrateful. I’m not just saying that to be nasty. I know sometimes on Mumsnet, posters are gratuitously nasty for fun, but I’m not doing that.

I really think you should be happy to be so financially fortunate. How can someone so privileged get so miserable about not getting as much free dosh as they want?

This.

Can you bot just be happy to get a large inheritance and stop moaning about the unfairness of it?

nzeire · 04/07/2024 20:04

I’m in the astonished camp.

you are getting a massive gift and eventually a massive inheritance. Just be grateful.

and be kind to your mum ffs. Her life, her choice.

Iwasafool · 04/07/2024 19:44

Psspsspssssss · 04/07/2024 19:38

The more you post, the more sorry I feel for your children, the amount of manipulation and guilt tripping you're likely to lay on them. And the fact that you see inheritance as a reward says a lot.

It's not about the money. It's about fairness and equal treatment.

Being an 'old woman' doesn't mean you can't be questioned. Being a parent doesn't mean that your judgement is always right. After all the world is full of horrible and nasty people, and almost all of them have children! And get old one day. Doesn't make them saints.

I can't imagine ever treating kids unfairly. Inheritance, along with other things that aren't basic needs is reflective of parental attitudes towards their kids. Although in theory they can do what they want with it.

Edited

My kids wouldn't even think to ask, they all tell me to spend what we have and enjoy it and they don't expect anything. If you think it odd to think someone getting around £650k should be happy then I think you have some issues, most of us couldn't imagine such good fortune.

Maybe you equate money with love, not something I do or my children do, maybe an upbringing thing? Your poor parents, just walking cash machines.

Challenging your mother to the extent you make her cry because you want what you think is your fair share is shitty behaviour.

It isn't just in theory that they can do what they want with it, it is an actual fact.

King Lear had it right, "How sharper than a serpent's tooth it is to have a thankless child!"

Psspsspssssss · 04/07/2024 19:38

Iwasafool · 04/07/2024 19:22

Oh yes they'd be truly blessed if they made an old woman cry, definitely need rewarding for that. Fortunately my children aren't like that.

The more you post, the more sorry I feel for your children, the amount of manipulation and guilt tripping you're likely to lay on them. And the fact that you see inheritance as a reward says a lot.

It's not about the money. It's about fairness and equal treatment.

Being an 'old woman' doesn't mean you can't be questioned. Being a parent doesn't mean that your judgement is always right. After all the world is full of horrible and nasty people, and almost all of them have children! And get old one day. Doesn't make them saints.

I can't imagine ever treating kids unfairly. Inheritance, along with other things that aren't basic needs is reflective of parental attitudes towards their kids. Although in theory they can do what they want with it.

eggplant16 · 04/07/2024 19:35

Sometimes its not the money but what the money represents.
But yes, OP seems in a good state, compared to many.

HeddaGarbled · 04/07/2024 19:29

I genuinely think that you and your sisters are being greedy and ungrateful. I’m not just saying that to be nasty. I know sometimes on Mumsnet, posters are gratuitously nasty for fun, but I’m not doing that.

I really think you should be happy to be so financially fortunate. How can someone so privileged get so miserable about not getting as much free dosh as they want?

Iwasafool · 04/07/2024 19:28

IFollowRivers · 04/07/2024 19:22

Inheritance issues can break families. If you care about yours let it go. Life is too short.

Particularly when you are being offered £150k now and half a million at some stage.

IFollowRivers · 04/07/2024 19:22

Inheritance issues can break families. If you care about yours let it go. Life is too short.

Iwasafool · 04/07/2024 19:22

Psspsspssssss · 04/07/2024 19:19

Your poor children....

Oh yes they'd be truly blessed if they made an old woman cry, definitely need rewarding for that. Fortunately my children aren't like that.

Iwasafool · 04/07/2024 19:21

ReachedEndofTether · 04/07/2024 18:20

^ This. I find it astonishing how many elderly people can't understand why it's not fair to treat their main caregivers less favourably than their other/another child. As though they don't value the caregiving child at all, they just want to take, take, take of that child's time and energy.

I can't find where it says the OP and her sisters are the main caregivers. She says the brother and her and her sisters aren't so is there any indication who is the main carer.

Psspsspssssss · 04/07/2024 19:19

Iwasafool · 04/07/2024 19:18

If one of my children treated me like you have treated your mother they would get nothing.

Your poor children....

Psspsspssssss · 04/07/2024 19:18

FrustyOldCrump · 04/07/2024 18:14

It's not fair, but there is no law requiring inheritance to be fair. I think your options are to say 'yes, please' to the free money that is on offer or fall out with your mother.

This OP
Also once you get the money stop helping so much
Let your brother do all the hard work

Iwasafool · 04/07/2024 19:18

Sillybluecat · 04/07/2024 18:59

I did have that chat with my mum, I asked her .. do you love him more, she said of course not. Is it because us girls have argued with you in the past, no she said. We were both crying and I said mum can't you make it fair and she said I won't divide my home 3 ways it has to be 4 but I'll pay her ff your loans so you all have a home

If one of my children treated me like you have treated your mother they would get nothing.

eggplant16 · 04/07/2024 19:15

Ah, its a lazy man getting more than women. Well I never.

eggplant16 · 04/07/2024 19:14

ReachedEndofTether · 04/07/2024 18:20

^ This. I find it astonishing how many elderly people can't understand why it's not fair to treat their main caregivers less favourably than their other/another child. As though they don't value the caregiving child at all, they just want to take, take, take of that child's time and energy.

Yip!

californiaisdreaming · 04/07/2024 19:11

Accept the £150k immediately.

After that I would point out quite strongly at almost every occasion I was with them quite how unfairly I was being treated relative to my brother. I would make it a pain point at every meeting.

allthemiddlechildrenoftheworld · 04/07/2024 19:05

@Sillybluecat it will and certainly does make you feel not just undervalued, but worthless, when one sibling is favoured over the rest!!! I know from personal experience. I had known what was going to happen many years before when my father was still alive. my mother had voiced her wishes at that point and we all disagreed, except the golden child!!! mother then changed her will after dad died, so she got to do what she wanted and give the family home to the golden child who was then unable to ever move in because she couldnt use stairs. niece then got the house for nothing!!!

Sillybluecat · 04/07/2024 18:59

YellowAsteroid · 04/07/2024 18:44

I think you have to have a straightforward from-the-heart conversation with your mother. Not about the actual amount of money, but how it makes you feel that she is not treating each of her children equally. Point out that your brother is receiving something like 4 times the amount that each of you 'girls' are (if I've done the maths), and that this makes it seem as if she loves her son more than her daughters.

I did have that chat with my mum, I asked her .. do you love him more, she said of course not. Is it because us girls have argued with you in the past, no she said. We were both crying and I said mum can't you make it fair and she said I won't divide my home 3 ways it has to be 4 but I'll pay her ff your loans so you all have a home

OP posts:
YellowAsteroid · 04/07/2024 18:44

I think you have to have a straightforward from-the-heart conversation with your mother. Not about the actual amount of money, but how it makes you feel that she is not treating each of her children equally. Point out that your brother is receiving something like 4 times the amount that each of you 'girls' are (if I've done the maths), and that this makes it seem as if she loves her son more than her daughters.