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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Am I being grabby and selfish (long story - inheritance related)

146 replies

RedHareWithBlondeHair · 18/07/2016 15:44

My mother has 2 children - me and my sister. My sister has 2 children and I have none.

For background - we are mixed - our father is English and mother Arabic. Me, my sister and mother and one of my nieces live in England, my other niece lives in our Arabic country.

My mother owns 7 pieces of land/houses all together (in her home country) - thus far, one piece is my sister's and another mine. The other 5 seem to be up for grabs. My mother has told me she'd like to make provisions in her will for both nieces wrt her estate. As I have no kids obviously there's nothing to be given to non-existent children.

My niece that is currently in the UK is severely disabled - she'll never lead an independent life and my other niece lives in our home country and is currently being supported by my mother wrt to school and upkeep etc - she's 21.

I should add that I have a massive family - my mum is 1 of 10 and I have countless cousins. My mother has paid a great deal of money towards their upkeep over the years - this meant paying for food, housing, bills, private education - the lot.

I've made it patently clear to my mother that I will not do the same. My niece often texts my mother asking for money and was surprised to learn that due to a sick spell my mother couldn't afford it. She is nearing retirement now and though she has a good nest egg for herself, she's now wondering what to do with the rest of her estate.

For one or two reasons I won't be having children in the near future. I can't afford them, I have no partner with whom I'd see a future with and I'm still changing careers.

My mother has a chronic condition which means she might not make it into her twilight years.

In her plans she'd obviously leave the 2 pieces of land that me and my sis already own to ourselves. But this leaves the question over the other 5 - which have appreciated quite a lot over the years. She wants to leave a provision for my niece over here who will need life long care when my sister can no longer manage it. She also wants to house 2 of my aunts and their children and also wants to leave my other niece something.

As it stands I'd only inherit my current bit of land. She's asking me to pay into the maintenance of the houses on the other pieces of land which I might not inherit - this isn't cheap and I'd feel resentful doing so. I'm now feeling like I want to walk away from the whole situation and let them all deal with it themselves when the time comes. Give up my bit of land and be done with. Perhaps only going back to home country for holidays if the feeling takes me. I've grown up here and don't feel the strong family ties with the others that she does. Despite being half Arab, when I'm there I'm still very much 'foreign'.

I love my mother and she's gone above and beyond in terms of paying for my education and lifestyle choices and also acting as a confidante. I suppose maybe I should take the view that I have a better way of living and more choices than the rest of that side of the family. When my father died over here, everything he owned went to his kids from his first marriage and his wife. My sister and I didn't get a look in and were lucky to be invited to the funeral.

I don't know what I'm asking, I suppose I'd rather just drop the whole thing. My mother's side of the family is full of so much drama - I don't even speak fluent Arabic (my sister does) and feel I'd end up getting screwed either way.

OP posts:
Kewcumber · 18/07/2016 18:58

I'd ask for the land I paid for to be transferred to me now (not when she died) and say that when it is you will pay for the upkeep then I would leave it up to everyone else to fight over the other houses.

TBH I would be happy for my mother to financially support a disabled grandchild in favour of me or my sibling or in fact anyone. I can't imagine resenting her money going to support a disabled relative rather than it coming to me for extras (IYSWIM)

Though of course she's entitled to do whatever she likes with her property. I think you need to find a way to disengage more.

JacquettaWoodville · 18/07/2016 18:59

If the land cannot be transferred to your name, can you ask your DM to sell it and give you the proceeds?

Or, worst case, ask her to give you back what you paid for it.

Then whatever you inherit is at least on top of what you've spent.

Kewcumber · 18/07/2016 19:03

Even if she had a shed load of money I'm not sure I would describe your sisters life as "lucky"

AdultingIsNotWhatIExpected · 18/07/2016 19:10

Even if she had a shed load of money I'm not sure I would describe your sisters life as "lucky"

IMO the mother has labelled her two children: the helpless one & the helper. Possibly a long time ago

neither are lucky

MoonriseKingdom · 18/07/2016 19:23

Judging from what others are saying you really need to look into the laws of the country concerned. What your mother is proposing could be not allowed anyway. She really needs some proper legal advice. I would also agree with what others have said about caution over your disabled nieces inheritance. It is something my parents have taken legal advice on as they would like to provide for my sibling who has significant problems but they want the money to be used wisely and not leave him disadvantaged.

I can understand why you are unhappy. Ultimately you are not really inheriting anything if you are inheriting land you bought. If you have future children they may be left out.

titchy · 18/07/2016 19:26

Well your bitterness and hatred towards your sister is all-consuming and massively clouding your viewpoint.

You and your sister look as if you'll inherit the same amount. So that's fair isn't it? Your niece is an individual, not an extension of your sister, and your mother has every right to leave her the same amount in her will (if she ever writes one). Your other niece is profoundly disabled and you begrudge her inheriting some money which might well make the difference between being shut away to fester in a council care home, ignored, maybe abused for the rest of her life, and leading a life with some sort of dignity and quality. I wholeheartedly agree with your mother on that one (though agree this needs looking into).

However I don't agree you should be contributing towards the upkeep of the properties. Either say you are no longer able to do so, or get some sort of watertight agreement that your contributions are a loan to be repaid from the estate upon your mothers death.

AppleMagic · 18/07/2016 19:26

I think there are three parts to this:

  1. The money for maintaining the land needs to be generated by the land itself. Otherwise she'd be better off selling it.
  1. You need some promise that you will become legal owner of the land you have paid for.
  1. Those issues aside, all the other stuff is pretty grabby. Your mother is entitled to split her inheritance how she wants and if she wants to split it between you, your sister and your nieces and your aunts/cousins then that is up to her. I'm also not surprised that she's fed up with talking to you about it. If I was her I'd consider skipping a generation entirely and leaving it all to the nieces if you continued to be ungrateful about "only" getting a 20% share.
AdultingIsNotWhatIExpected · 18/07/2016 19:28

Well your bitterness and hatred towards your sister is all-consuming and massively clouding your viewpoint

understandable side effect of being set up to be her sisters (and nieces) keeper though isn't it?

titchy · 18/07/2016 19:33

Understandable yes of course. But I get the impression OP doesn't think she deserves any inheritance. And it's not really fair to expect a parent to disinherit one child. Particularly when that child is now responsible for her own severely disabled child.

SuperFlyHigh · 18/07/2016 19:41

Apple all this would be very grabby only it does seem that for OP to get the land she has paid towards (invested in) she will have to pay to maintain it and also pay for maintenance of the other land.

Can you not sit down with your mother OP and explain you are worried about what will happen, how much you've had to pay out etc, try to bring emotions out of it, but do state that you intend to be unmarried and childless.

We had a situation sort of similar to this in our solicitors office, a Muslim mother and wife had 6 children, 3 of each, lots of properties in London area and didn't want to leave daughters any property or money as they were due to get married and apparently in that case the responsibilty for them passes to their spouse and his family. My boss was quite surprised by this and even tried to ask the mother/wife why she wasn't treating her daughters fairly or leaving them money (they did get jewellery) but the wife was insistent it was 'cultural' and was what happened in Muslim culture.

I do get (having Muslim friends/colleagues etc) that the West is seen as a rich country and also about looking after disabled relatives, not a lot can be done about that. It's also not great if, as sometimes happens, in this case, the disabled niece seems to treat your mum as a cash cow which can't be nice for you as your mum's daughter to see.

OurBlanche · 18/07/2016 19:44

Understandable yes of course. But I get the impression OP doesn't think she deserves any inheritance. I got the impression she is at her wits end at being the one who gives and gives... and has now been told that even stuff she owns is being given...

I think a pissed off vent or 200 is probably an acceptable tally for someone who is just realising how little she is valued within her own family!

AdultingIsNotWhatIExpected · 18/07/2016 19:48

If I was the OP I would feel that my sister was constantly "rewarded" for being helpless, and I was constantly punished for being reliable/hard working/sensible.

Sounds like the sisters side is getting much more than they need for care (and yes I know how expensive that is) and will be able to live very comfortably ON TOP of what they "need" to be taken care of.. while the OP is expected to maintain that life for them without getting any of it for herself

JacquettaWoodville · 18/07/2016 19:50

Given the OP has already has one experience of being the "second class" sibling after her adult half siblings got all funds after her father's death, I can understand she is concerned.

Some families split equally to children and don't pass directly to grandchildren; others do equal shares for all. Either is fair, IMO. Someone inheriting just what they paid for and being asked to contribute to other shares is not!

SquedgieBeckenheim · 18/07/2016 19:50

I think you should be doing all you can now to get your land under your name, I dread to think how much more complicated it could potentially be once your DM passes. It definitely shouldn't count as inheritance imo as you paid for it!
I can see why your DM wants to provide for your nieces, and it should be her decision as its her money. However, in your shoes I'd be upset too! It isn't fair, especially as she seems to be counting your property as her assets!

bakeoffcake · 18/07/2016 20:07

Ask for the land you bought to be put into your name.

Leave the rest of it for everyone else to get on with.

I understand why you're upset, I would be too, you're basically being left with nothing as youve bought the land already. But it really isn't worth the angst.

quicklydecides · 18/07/2016 20:18

Why not go ahead and have a baby?
Would you have to be married to a suitable man in order for the child to be deemed worthy of an inheritance?
Because if you had a child, two of your problems would be solved- you'd have the child you want, and the inheritance to help pay for the child.

lottiegarbanzo · 18/07/2016 20:30

Oh, well. I think you do need to try to secure your land in your name (or sell now). That's yours, you invested.

Beyond that. Well. You indicate you would like to have children but circumstances and being sensible preclude this, for the time being. How old are you? What if you don't find the right partner? Would you have children by donation, adopt etc? No need to answer of course. What I mean is, is it that you feel any future children if and when you find the right partner, may not benefit, if not born soon enough? Or, is it that you feel your options for starting a family would be different if you were secure in the knowledge that you would inherit?

Your feelings about the above may well be influencing your view on the estate. Understandably so, especially if you anticipate your mother's demise occurring while you're still fertile.

The size of the estate is in the 'life-changing' realm if divided in half - the buying a house outright, having a comfortable buffer in the bank, having the choice to be a SAHM area. Not in the 'never need to work again' realm (unless frittered away with nothing left to pass on) but you sound like someone who probably enjoys doing an interesting job.

However. It is very normal and reasonable for people to plan their wills in terms of people who exist, not potential people. There is so much uncertainty and unpredictability between a notional and an actual child. Then, as demonstrated by your niece, actual children can have unpredictable needs.

It is also very normal for people to skip a generation, especially when their own children are established, self-sufficient grown-ups, and place funds in trust for their grandchildren.

Your resentment seems to be about your sister and her benefiting from funds (sensibly) being left to her, on behalf of her children.

I think you need to seek financial advice, to get your own handle on the decisions being made. For your own peace of mind. I can see financial reasons why leaving your nieces money by leaving it to their mother makes sense. If you could perceive that as a sensible financial choice, which only incidentally benefits your sister, perhaps that would give you an option of viewing it in an emotionally neutral way.

But yes, some sympathy due for your role as the sensible, responsible one feeling pushed out by the prodigal daughter (not that serious mental illness can be regarded as a 'failure to be sensible'). In the end, you're healthy, stable, capable, have benefited from a good education... you hold all the good cards in life. You could choose to shrug this off. That's a very strong position to occupy.

Rowanhart · 18/07/2016 20:54

I'm genuinely surprised how many people seem to think they have a right to their parents money on here.

I have heard stories of people contesting wills and fighting over money when people died, but thought most would be too ashamed to admit it.

Really odd.

RedHareWithBlondeHair · 18/07/2016 21:07

JacquettaWoodville Yes, I have already felt like a second class sibling. I could not have done anything towards my father's estate.

And yes I am angry! My sister managed to get away with so much shit in life yet I will be 'punished' for being the sensible one. I don't have dcs mainly because I wonder how I'd feed them! NOT because I don't want them! My sister just went ahead! And sorry to say and perhaps it'll get me deleted, the reason my 2nd niece is so disabled is because my sister spent her WHOLE pregnancy drinking wine and vodka for breakfast and smoking weed throughout the day. My sister is an amazingly strong woman but she's always fucked up! I recall as a child when I was told she was pregnant, I thought 'wtf'!??

I am not going to pretend that I don't resent her. She's managed to fuck up at every turn in her life - I've spent mine trying to be responsible and practical but now it turns out she will be rewarded for her ability to fuck up. I am not perfect but I have at least in my life tried to work my ass off and tried hard. It is NOT FAIR!. I am bitter and resentful.

I also fear if I keep asking my dm for my plot she'd be even more convinced that I am grabby. Well yes I am!

OP posts:
lottiegarbanzo · 18/07/2016 21:23

I do think, for your own peace of mind / sanity, it would be really valuable to seek financial advice on the best way for your mother to pass on funds to your nieces. It may help you detach.

It might also raise issues pp have mentioned in relation to state provision - your DM's responsibility to look into, not yours, but you could helpfully signpost her.

But, you have to separate wider notions of 'what if', moral values and fairness, in a general 'life well lived' sense, from the practical realities of your DM's financial planning. Money is no respecter of wishes or what-ifs.

RedHareWithBlondeHair · 18/07/2016 21:27

I'm so sorry. I'm sharing it with you all as I feel incredible bitterness and resentment. And anger!

OP posts:
lottiegarbanzo · 18/07/2016 21:32

Don't be silly. You have a wealth of people here who suffer no emotional consequence by discussing this with you. Many of who have experience of inheritance ourselves, one way and another. Most of whom have experience of families and of life's inevitable unfairnesses.

PokemonGo · 18/07/2016 21:41

Do you think your mother thinks your DH will support you?

anotherdayanothersquabble · 18/07/2016 21:42

RedHair, it is good to share, to get it all out. You won't change your family dynamic, you won't change the past but you can change how you feel about it.

You have stood on your own two feet, taken responsibility for your actions and made choices you are proud of. Take pride, comfort and self respect from that.

Yes, you can disapprove of the decisions made by your sister and be angry that she doesn't appreciate the damage she has done to those around her. You can disagree with your mother and her decisions, you can feel angry that she doesn't seem to appreciate your needs, for love, recognition and to be valued and appreciated.

Find a way to make peace with yourself and love yourself for the strong choices you have made and find a way to live with the choices of your family and their impact on you.

Sending you love. xxx

DeathStare · 18/07/2016 21:55

I think there are 4 issues here that are all getting tangled up as one:-

  1. The land that you paid for needs to be transfered into your name or needs to be sold and you given the money. NOW. Not when your mum dies. Morally this should not be part of your mum's estate.
  1. The money that you are being asked for for maintenance - this appears to be a cultural divide. Your mum is part of a culture where this would be an expectation, you are not though she probably thinks you are. I don't think there's a right or wrong answer on this one. I think you need to weigh up the pros and cons of contributing before a clear, boundaried decision. Do not give more than you can afford though.
  1. Your mum's will - your mum is entitled to leave her money how she sees fit and you really need to stop raising this with her. If one of my children kept mithering me about my will I'd get very frustrated and be tempted to leave them nothing to. I know it's hard but her will - especially when she is still alive - is not something you should be talking about or dwelling on unless she has said she wants to discuss it.
  1. Your family relationships - you seem quite angry and resentful to both your mother and your sister. You also seem to see money as being bound up with love (after what you went through with your dad this is understandable though not necessarily accurate). I think your mum probably sees money as bound up with obligation and duty rather than love. At the moment this money-issue is just causing bitterness in your relationships as each of you are seeing the other's attitude to it as unfair, selfish and symbolic of something the other can't understand. I would really recommend you get some counselling to try to sort these feelings out and make sense of them before this issue makes your family implode.