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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to accept my parents' £1m+ gift when my sister gets nothing

776 replies

ForEagerRobin · 23/06/2026 21:00

My parents have recently told me they want to gift me assets worth just over £1m while they're still alive. It's a mixture of investments, funds and cash.

The problem is they don't intend to give my sister anything.

My sister is absolutely furious and says I should refuse the money unless they split everything equally between us.
For context, we had a very happy childhood. Our parents were loving, supportive and provided us with every opportunity. There was no obvious favouritism.

As adults, however, our relationships with them have been very different. I see them every week, help them with shopping, appointments, paperwork and generally make sure they're OK. They're in their late 70s and increasingly need support.

My sister has never really made much effort. She can go months without seeing them. A recent example was when they needed a lift to the airport. She was free and lived closest but simply couldn't be bothered. Another relative ended up taking them.

My parents are very hurt by this and have told me repeatedly that their decision is based on years of feeling ignored by her.
The thing is, I don't actually feel responsible for their decision. It's their money. They're mentally capable, fully understand what they're doing and have made their views clear.

My sister says that may be true, but by accepting the money I'm endorsing their behaviour and choosing money over my relationship with her.

My response was that turning down £1m doesn't magically mean she gets it. It simply means none of us do.

She says a decent sister would refuse it on principle.

DH thinks that's easy to say when she's asking me to sacrifice something that could transform our children's futures.

So AIBU for thinking this isn't my decision to make, and that refusing the money out of "solidarity" would be completely irrational and stupid.

I care for my sister but she has thrown away her life by herself. We came from very good backgrounds with potential, she chose to waste that. I am now in my 40s, I live a very modest life, DH is an engineer, I work for civil service I’ve been in the civil service for almost 20 years so I have worked my way up. I am not a luxury type of person, DH and I share a car, it’s over 10 years old we bought it brand new XC90 it does the job very well, our children are at private school but it’s not eton it’s very affordable and does the job too. They’re doing very well at school, we go on 3 holidays a year, we invest for them each year we save from them a certain amount tax free and my parents top that for them. They do the same for my sisters children. My sister has no bothered to do anything for her children. All the savings they have is from our parents which is quite sad. What kind of parent has children when they can’t save for their futures. She has a new car all the time, lives wayy above her means yet nothing to show for it just new things all the time. Conspicuous consumption. She is pushing 50 and has wasted her potential now wants to cry to me. We are both oxbridge educated, went to very good private schools, the world was our oyster.

OP posts:
Ineffable23 · 23/06/2026 21:03

Could you take it and agree with your sister you'll give her a chunk, maybe in a few years time when it won't cause chaos with your parents?

TFImBackIn · 23/06/2026 21:03

Why doesn't your sister see this as an opportunity to change her behaviour, even if it's for the sake of being treated equally, financially?

ForEagerRobin · 23/06/2026 21:03

I will add. I do a lot for my parents our of love. They’re in their 80s now they’re healthy but need help with certain things. I’m the one that does their food shopping, I’m the one that goes to see them every single week (unless I am abroad on holiday) I am the one that goes to their house and fixes things or gets in touch with various people who fix things if I can’t do it. I am the one that calls them and checks on one them. I am the one that takes my children to go see them, my children love spending time with them. My sister on the other hand hardly makes an effort. Sometimes it is hard because I know I will end up having to take care of them which I have accepted and I will do that because I love them they’re my parents.

OP posts:
Zanatdy · 23/06/2026 21:04

I’d take it.

Ineffable23 · 23/06/2026 21:05

Ineffable23 · 23/06/2026 21:03

Could you take it and agree with your sister you'll give her a chunk, maybe in a few years time when it won't cause chaos with your parents?

Replying to myself - obviously you don't have to do that, and I can see why your parents don't want to give her cash but it's just so divisive whichever option you go for. Either you resent her forever or she resents you forever.

QueenOfThorns · 23/06/2026 21:06

Keep it. They want you to have it, and it’s their decision. Your sister has made her bed…

Heartbroken38 · 23/06/2026 21:06

Is this a reverse?

Regardless of what either of you do for them, the difference between a million quid worth of assets and nothing is huge. She's still their child. I think it's an awful thing to do to be honest.

Although I'm judging their decision more than yours to take it

FinallyHere · 23/06/2026 21:06

In your place I’d accept the offer, with my eyes open that I’m choosing it over my relationship with my sister. Seems fair enough.

northernballer · 23/06/2026 21:06

Who told your sister about it? That seems an odd decision to me, whoever did it must have known it would cause trouble - why would they have done that?

I'd take the money and not discuss it with my sister at all.

Yetanotherone12 · 23/06/2026 21:06

well to start, you’ve made it your sisters business by telling her.

second, 1m to you and nothing to her is way more than “you didn’t help, so you don’t deserve a share”, that’s an enormous fuck you, we don’t love you and never have.

a nice gift on that scale would be maybe 50 or 100k. But 1m? That is a really shitty think to do to their child.

do you honestly think you deserve 1m for helping your parents out?

LawdAMercy · 23/06/2026 21:07

if you take it and don’t give her any, you risk causing/perpetuating a permanent risk in the family. Not worth it IMOH.

To be honest I’m shocked that your parents chose to do all or nothing, they could have fiver her a “token” £100k.

when they pop give her £200k and ask her to use it wisely.

ForEagerRobin · 23/06/2026 21:07

Ineffable23 · 23/06/2026 21:03

Could you take it and agree with your sister you'll give her a chunk, maybe in a few years time when it won't cause chaos with your parents?

I thought about that. But she doesn’t deserve it. There’s been moments where they have needed her and she has refused. There’s been moments where DH and I have made sacrifices to make sure my parents are okay, they’re elderly it’s not easy. It would have been nice to share that with my sister but nope no where to be reached.

I do not feel like I deserve it to. End of the day it’s my parents money they’ve worked so hard they have invested their money very well and gave us a great life. All we had to do was seize opportunities but my sister chose not to. That’s all they ever asked of us is to take every opportunity we can.

OP posts:
LilacDrift · 23/06/2026 21:08

Are they in their 70s or 80s? You changed their ages. 🤔

I think your parents are wrong to favour you.

TheRealMagic · 23/06/2026 21:08

What an incredibly shitty, divisive thing for your parents to do. Out of interest, how did your sister find out they'd offered you this?

Why do your parents want to give you this now? Do they think it'll get around inheritance tax or care fees? I think in all sorts of ways this money could come with a lot more strings than it first appears, so I'd be wary.

Butt3rButt3r · 23/06/2026 21:09

ForEagerRobin · 23/06/2026 21:00

My parents have recently told me they want to gift me assets worth just over £1m while they're still alive. It's a mixture of investments, funds and cash.

The problem is they don't intend to give my sister anything.

My sister is absolutely furious and says I should refuse the money unless they split everything equally between us.
For context, we had a very happy childhood. Our parents were loving, supportive and provided us with every opportunity. There was no obvious favouritism.

As adults, however, our relationships with them have been very different. I see them every week, help them with shopping, appointments, paperwork and generally make sure they're OK. They're in their late 70s and increasingly need support.

My sister has never really made much effort. She can go months without seeing them. A recent example was when they needed a lift to the airport. She was free and lived closest but simply couldn't be bothered. Another relative ended up taking them.

My parents are very hurt by this and have told me repeatedly that their decision is based on years of feeling ignored by her.
The thing is, I don't actually feel responsible for their decision. It's their money. They're mentally capable, fully understand what they're doing and have made their views clear.

My sister says that may be true, but by accepting the money I'm endorsing their behaviour and choosing money over my relationship with her.

My response was that turning down £1m doesn't magically mean she gets it. It simply means none of us do.

She says a decent sister would refuse it on principle.

DH thinks that's easy to say when she's asking me to sacrifice something that could transform our children's futures.

So AIBU for thinking this isn't my decision to make, and that refusing the money out of "solidarity" would be completely irrational and stupid.

I care for my sister but she has thrown away her life by herself. We came from very good backgrounds with potential, she chose to waste that. I am now in my 40s, I live a very modest life, DH is an engineer, I work for civil service I’ve been in the civil service for almost 20 years so I have worked my way up. I am not a luxury type of person, DH and I share a car, it’s over 10 years old we bought it brand new XC90 it does the job very well, our children are at private school but it’s not eton it’s very affordable and does the job too. They’re doing very well at school, we go on 3 holidays a year, we invest for them each year we save from them a certain amount tax free and my parents top that for them. They do the same for my sisters children. My sister has no bothered to do anything for her children. All the savings they have is from our parents which is quite sad. What kind of parent has children when they can’t save for their futures. She has a new car all the time, lives wayy above her means yet nothing to show for it just new things all the time. Conspicuous consumption. She is pushing 50 and has wasted her potential now wants to cry to me. We are both oxbridge educated, went to very good private schools, the world was our oyster.

“What kind of parent has children when they can’t save for their futures. “

What a ridiculous and unpleasant thing to say. Being able to save for your kids future doesn’t make you a good parent and not being able to save doesn’t make you a bad parent. Parenting has nothing to do with saving.

tinyviolinforme · 23/06/2026 21:09

ForEagerRobin · 23/06/2026 21:00

My parents have recently told me they want to gift me assets worth just over £1m while they're still alive. It's a mixture of investments, funds and cash.

The problem is they don't intend to give my sister anything.

My sister is absolutely furious and says I should refuse the money unless they split everything equally between us.
For context, we had a very happy childhood. Our parents were loving, supportive and provided us with every opportunity. There was no obvious favouritism.

As adults, however, our relationships with them have been very different. I see them every week, help them with shopping, appointments, paperwork and generally make sure they're OK. They're in their late 70s and increasingly need support.

My sister has never really made much effort. She can go months without seeing them. A recent example was when they needed a lift to the airport. She was free and lived closest but simply couldn't be bothered. Another relative ended up taking them.

My parents are very hurt by this and have told me repeatedly that their decision is based on years of feeling ignored by her.
The thing is, I don't actually feel responsible for their decision. It's their money. They're mentally capable, fully understand what they're doing and have made their views clear.

My sister says that may be true, but by accepting the money I'm endorsing their behaviour and choosing money over my relationship with her.

My response was that turning down £1m doesn't magically mean she gets it. It simply means none of us do.

She says a decent sister would refuse it on principle.

DH thinks that's easy to say when she's asking me to sacrifice something that could transform our children's futures.

So AIBU for thinking this isn't my decision to make, and that refusing the money out of "solidarity" would be completely irrational and stupid.

I care for my sister but she has thrown away her life by herself. We came from very good backgrounds with potential, she chose to waste that. I am now in my 40s, I live a very modest life, DH is an engineer, I work for civil service I’ve been in the civil service for almost 20 years so I have worked my way up. I am not a luxury type of person, DH and I share a car, it’s over 10 years old we bought it brand new XC90 it does the job very well, our children are at private school but it’s not eton it’s very affordable and does the job too. They’re doing very well at school, we go on 3 holidays a year, we invest for them each year we save from them a certain amount tax free and my parents top that for them. They do the same for my sisters children. My sister has no bothered to do anything for her children. All the savings they have is from our parents which is quite sad. What kind of parent has children when they can’t save for their futures. She has a new car all the time, lives wayy above her means yet nothing to show for it just new things all the time. Conspicuous consumption. She is pushing 50 and has wasted her potential now wants to cry to me. We are both oxbridge educated, went to very good private schools, the world was our oyster.

‘What kind of parent has children they don’t save for?’
maybe one who isn’t Oxbridge educated with parents able to handover a casual £1m ? Just a suggestion?

SunnyRedSnail · 23/06/2026 21:09

Assuming this doesn't count as tax avoidance and deprivation of assets...

But its what your parents want so would be a bit rude to say no. Just accept and say thank you.

Ps - you won't get much sympathy saying you live a modest life then go on to say you can afford private schooling, 2 holidays a year and investments for your kids, then insult those who don't invest for their kids - the majority of people cannot afford to do this!

ExtraOnions · 23/06/2026 21:10

Your parents know that this puts you in a difficult position, and are using their wealth to tell your sister that she (in thier opinion) is not as “good” as you. She has failed as a daughter, and they are going to punish it.

It’s a weaponisation of wealth, and will likely break your relationship with your sister, and her relationship with them forever.

Gifting could have been discreet, could have been smaller, could have been more equitable, but they have chosen not to do it.

BTW, for tax purposes, if you parents die in the next 7 years your “gift” will be taxed.

NoArmaniNoPunani · 23/06/2026 21:10

Take the money and give invest 250k of it for your sister's kids

NeedyLimeMember · 23/06/2026 21:10

SunnyRedSnail · 23/06/2026 21:09

Assuming this doesn't count as tax avoidance and deprivation of assets...

But its what your parents want so would be a bit rude to say no. Just accept and say thank you.

Ps - you won't get much sympathy saying you live a modest life then go on to say you can afford private schooling, 2 holidays a year and investments for your kids, then insult those who don't invest for their kids - the majority of people cannot afford to do this!

I think it was 3 holidays a year... But the private school is 'very affordable' 😆

ForEagerRobin · 23/06/2026 21:10

LawdAMercy · 23/06/2026 21:07

if you take it and don’t give her any, you risk causing/perpetuating a permanent risk in the family. Not worth it IMOH.

To be honest I’m shocked that your parents chose to do all or nothing, they could have fiver her a “token” £100k.

when they pop give her £200k and ask her to use it wisely.

I’ve asked them to even give her a bit off my portion. They have refused I do not think they will be changing their minds anytime soon. They’ve even amended their will for most of it to go to me & my children and other relatives but nothing at all to my sister.

OP posts:
ilbehonest · 23/06/2026 21:10

Your parents are horrid. If they really didn't want your sister to inherit they could skip you and her and gift equally to the grand children. Your sister may be selfish but you and your parents are actually quite spiteful IMO.

Atleastthedoglikesme · 23/06/2026 21:11

I think your parents are pretty out of order. Parental love is meant to be unconditional.
What are they trying to do? If your sister now steps up it looks like she's just going it for cash. If she doesn't step up for fear of being accused of only doing it for the money then they have effectively cut her off. It's not like you are in need of the funds, so it's literally because you are the "good girl".
I think a holiday to say thanks would be fine. Giving you over a million? Wildly unfair.

TheRealMagic · 23/06/2026 21:11

If your parents have £1m+ hanging around that they don't need, why was anyone being inconvenienced to give them a lift? Couldn't they have got a taxi?

slapmyarseandcallmemary · 23/06/2026 21:11

"what kind of parent has children when they can't save for their futures".
I was in agreement with you til you said this. And it is such a judgemental thing to say. Esp in this day and age when some people can barely feed their kids never mind save for them.