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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:
ForEagerRobin · 23/06/2026 22:52

PurpleLovecats · 23/06/2026 22:39

Your sister’s children did not need a private education. Nor did they need their uni fees paying when student loans are available. The rest of us manage without those opportunities. Your parents made a choice to do that and she does not owe them for that.
Your sister not providing those things is not an example she is failing her children.
But I don’t get why you posted this. You’re clearly going to take the money.

You’re completely right. I do agree. I am aware that the vast majority of families manage fine without those things no child is entitled to them and my parents voluntary choices place no obligation on her. However looking at this strictly as a pragmatic financial decision the current student loan system has shifted dramatically and turning down this money would be a massive financial mistake. In the current system Plan 5 students face a 40 yr repayment window where the loan essentially acts as a 9% graduate tax for nearly their entire working lives meaning my sisters children will enter adulthood with zero debt. We plan to do the same for a children if they do decide to go to university, the plans keep changing and the fees have just changed for incoming students sept 2026 so things seem to be getting worse. I think that’s why they made that decision.

Private education was just a choice my parents are quite old fashioned. If we couldn’t pay for private education they’d have insisted my children go to private school. My children personally do need it they have extra needs and mainstream school would probably ware them out. It is not an academic school at all my children just require extra support and the school is supporting them. I am glad we went with private education, we would sacrifice anything for them to go to this school if we had to.

I just wanted different views.

OP posts:
ForEagerRobin · 23/06/2026 22:56

Tunnocksmallow · 23/06/2026 22:34

Also; do you realise that being a good parent is about more than material things and how much money you can throw about?

Love, support, encouragement, respect, being there for those children through thick and thin and being fair and equal.
it sounds as if your family values missed the mark on this.

It’s not just money. Our parents were very supportive, encouraging and loving amongst other things always there for us she has admitted this recently but maybe she is just saying that I am not sure why but if so that’s a shame. I’ve always supported her and tried she’s refused countless of times I am not sure what to do at that point. I don’t think my parents were bad people maybe in recent years there’s been some resentment that has affected their decisions.

OP posts:
Mycarsmellsoflavender · 23/06/2026 22:56

What is with all these recent posters who can’t wait to tell us they were ‘oxbridge educated’ (sic) yet post with multiple grammatical errors and sloppy punctuation?

Ella31 · 23/06/2026 22:58

Investing in your children is not exclusive to those who have money. Most people do not have the opportunities you have had in life. Investing in your kids - is love, nuturing, safety, good food, shelter. You do not have to have a 1 million price tag attached to it. Your comment about who has children if they cannot invest in them was unkind and out of touch

What your parents have done is wrong. It's a sure guarantee to split you and your sister up.

randomnamegenerated · 23/06/2026 23:00

So who lives closer, OP?

ForEagerRobin · 23/06/2026 23:01

Merryoldgoat · 23/06/2026 22:44

Panicked about his finances but has £1m spare to fuck about with his kids relationships?

Sure.

He comes from a generation that was very lucky. Isn’t it about a third of boomers are millionaire in the uk or something. I could be wrong but he has been invested since he was in his early 20s. I mean my sister chose to opt out of her pensions in our 20s even though everyone warned her not to. It’s little things like that, that has made her life difficult planning for retirement.

OP posts:
Steggasaurus · 23/06/2026 23:02

CalmTheFuckDownMargaret · 23/06/2026 22:52

Tell her your parents shouldn’t have to buy her love or give her half a million when she barely shows any care for them. That will give her something to think about. They’ve given her the loveliest happy upbringing and she can barely be bothered to keep in touch for months. You've moved towards being their carer, or at least providing regularly caring gestures. Why should they treat her equally at this late point in their lives? Yes it’s ‘unfair’ in the sense that it’s not 50:50 but it’s also unfair that she does bugger all to help them but wants their money!

Children do not owe their parents anything, it’s not a reciprocal relationship. The parents chose to have children not future carers. Decent parents will always want to make sure ALL their children are looked after financially (if they are in a position to do this) in the event of their death whether they helped or not.

By all means pay one more for her caring duties if they must but otherwise it should be an equal split. All adult children need to feel as though their parents loved them unconditionally and not treating them fairly removes this - leading to years of deep deep hurt.

geminicancerean · 23/06/2026 23:02

ForEagerRobin · 23/06/2026 23:01

He comes from a generation that was very lucky. Isn’t it about a third of boomers are millionaire in the uk or something. I could be wrong but he has been invested since he was in his early 20s. I mean my sister chose to opt out of her pensions in our 20s even though everyone warned her not to. It’s little things like that, that has made her life difficult planning for retirement.

Ok now I know you’re joking. A third of people over 70 are millionaires? Sure…

JustAnotherWhinger · 23/06/2026 23:04

ForEagerRobin · 23/06/2026 22:52

You’re completely right. I do agree. I am aware that the vast majority of families manage fine without those things no child is entitled to them and my parents voluntary choices place no obligation on her. However looking at this strictly as a pragmatic financial decision the current student loan system has shifted dramatically and turning down this money would be a massive financial mistake. In the current system Plan 5 students face a 40 yr repayment window where the loan essentially acts as a 9% graduate tax for nearly their entire working lives meaning my sisters children will enter adulthood with zero debt. We plan to do the same for a children if they do decide to go to university, the plans keep changing and the fees have just changed for incoming students sept 2026 so things seem to be getting worse. I think that’s why they made that decision.

Private education was just a choice my parents are quite old fashioned. If we couldn’t pay for private education they’d have insisted my children go to private school. My children personally do need it they have extra needs and mainstream school would probably ware them out. It is not an academic school at all my children just require extra support and the school is supporting them. I am glad we went with private education, we would sacrifice anything for them to go to this school if we had to.

I just wanted different views.

the use of the word “insisted” in this post is very interesting.

If you couldn’t pay for private your parents would have insisted your children go and they'd have paid…

Your parents didn’t think your sister’s children should take university loads so they paid and that was the decision they made.

Did your parents insist on your sister’s children going to private school?

Do they often make decisions or insist things about their grandchildren that are actually not their place to do so.

geminicancerean · 23/06/2026 23:05

ForEagerRobin · 23/06/2026 23:01

He comes from a generation that was very lucky. Isn’t it about a third of boomers are millionaire in the uk or something. I could be wrong but he has been invested since he was in his early 20s. I mean my sister chose to opt out of her pensions in our 20s even though everyone warned her not to. It’s little things like that, that has made her life difficult planning for retirement.

It’s actually 20% ish OP. So, a fifth. You don’t need me to explain the glaring disparity between a third and a fifth do you? Not with your Oxbridge mathematics degree.

Iwantaircon · 23/06/2026 23:07

randomnamegenerated · 23/06/2026 23:00

So who lives closer, OP?

i’m sure it was the sister who refused to drive the parents somewhere even though she lives closer.

ForEagerRobin · 23/06/2026 23:07

Mycarsmellsoflavender · 23/06/2026 22:56

What is with all these recent posters who can’t wait to tell us they were ‘oxbridge educated’ (sic) yet post with multiple grammatical errors and sloppy punctuation?

Not sure but getting to Oxbridge was not as tough as it is now. I went to university when universities were not oversubscribed not everyone was going to university. When I went it was purely humans that decided based on personal statements etc where as now part of entrance is computerised, algorithms etc, pre entrance exams I went before there was even an aptitude test I think those were introduced in mid 2000s. I would not get into Oxbridge now.

OP posts:
ForEagerRobin · 23/06/2026 23:08

geminicancerean · 23/06/2026 23:05

It’s actually 20% ish OP. So, a fifth. You don’t need me to explain the glaring disparity between a third and a fifth do you? Not with your Oxbridge mathematics degree.

I actually was not sure that was a guess

OP posts:
randomnamegenerated · 23/06/2026 23:10

Iwantaircon · 23/06/2026 23:07

i’m sure it was the sister who refused to drive the parents somewhere even though she lives closer.

But later, the OP said

I live close so it’s been easier for me to see them.

No Oxbridge maths degree here, but I have a decent memory for detail nonetheless.

Seaside3 · 23/06/2026 23:11

ForEagerRobin · 23/06/2026 23:01

He comes from a generation that was very lucky. Isn’t it about a third of boomers are millionaire in the uk or something. I could be wrong but he has been invested since he was in his early 20s. I mean my sister chose to opt out of her pensions in our 20s even though everyone warned her not to. It’s little things like that, that has made her life difficult planning for retirement.

There are lots who have it tied up in propeery, not just a spare million sat around to gift.

And again, your family display their toxic traits. She chose a different path than you, so therefore must be punished.

Steggasaurus · 23/06/2026 23:11

Seaside3 · 23/06/2026 23:11

There are lots who have it tied up in propeery, not just a spare million sat around to gift.

And again, your family display their toxic traits. She chose a different path than you, so therefore must be punished.

Awful, isn’t it.

Iwantaircon · 23/06/2026 23:12

ForEagerRobin · 23/06/2026 23:07

Not sure but getting to Oxbridge was not as tough as it is now. I went to university when universities were not oversubscribed not everyone was going to university. When I went it was purely humans that decided based on personal statements etc where as now part of entrance is computerised, algorithms etc, pre entrance exams I went before there was even an aptitude test I think those were introduced in mid 2000s. I would not get into Oxbridge now.

I went to a good grammar type school back in the 80s and some did oxbridge which was very difficult to get into even then ( I didn’t even try 😂)

KitchenColourandstyle · 23/06/2026 23:13

geminicancerean · 23/06/2026 23:05

It’s actually 20% ish OP. So, a fifth. You don’t need me to explain the glaring disparity between a third and a fifth do you? Not with your Oxbridge mathematics degree.

And thats household wealth not individual and includes the value of the house they are living in so is a far cry from a third having a million to 'gift' having already paid multiple school and university fees. It will encompass a lot of couples in family size homes in the SE who will not be close to being able to replicate the OPs 'modest' lifestyle.

ForEagerRobin · 23/06/2026 23:13

JustAnotherWhinger · 23/06/2026 23:04

the use of the word “insisted” in this post is very interesting.

If you couldn’t pay for private your parents would have insisted your children go and they'd have paid…

Your parents didn’t think your sister’s children should take university loads so they paid and that was the decision they made.

Did your parents insist on your sister’s children going to private school?

Do they often make decisions or insist things about their grandchildren that are actually not their place to do so.

Not to be taken to literally. My sister did want them to attend private school but couldn’t afford it on her own so my parents paid as the classes were much smaller. One of my nephews A level classes only had 4 students not surprise that he received an A* the teacher was able to focus on each children’s specific need.

OP posts:
Seaside3 · 23/06/2026 23:14

Steggasaurus · 23/06/2026 23:11

Awful, isn’t it.

It truly is. I can't believe how judgemental they are. Little wonder sister keeps her distance.

SylvanMoon · 23/06/2026 23:15

ForEagerRobin · 23/06/2026 22:38

They’ve been visiting before all this drama started, texting, calling, FaceTiming etc. They have kept them up to date with their lives boyfriends girlfriends etc. I do not think it’s money motivated. Each year they have a bbq in the summer and my sisters children are always there, they do love their grandparents.

They may love their grandparents now, but do your parents honestly think they're going to continue loving them in the same way once they realise how their DM has been treated?

Velumental · 23/06/2026 23:17

You're a flying monkey OP

They are giving you this money deliberately to wind your sister up.

It's likely the 'different relationship ' you mention goes back.to childhood and diffences made between you then.

Absolutely horrific to gift 1 child extravagantly and the other give nothing. Horribke

KitchenColourandstyle · 23/06/2026 23:17

ForEagerRobin · 23/06/2026 23:07

Not sure but getting to Oxbridge was not as tough as it is now. I went to university when universities were not oversubscribed not everyone was going to university. When I went it was purely humans that decided based on personal statements etc where as now part of entrance is computerised, algorithms etc, pre entrance exams I went before there was even an aptitude test I think those were introduced in mid 2000s. I would not get into Oxbridge now.

Ahh back in the day when Daddy having paid for the 'right' school made it far easier than having to compete with the rif-raf on an equal footing. It was way more difficult for state school kids to go to Oxbridge then.

ForEagerRobin · 23/06/2026 23:17

randomnamegenerated · 23/06/2026 23:10

But later, the OP said

I live close so it’s been easier for me to see them.

No Oxbridge maths degree here, but I have a decent memory for detail nonetheless.

It has been easier for me to see them. Have I said she lives closer? it’s under 10 mile difference between both of us. Even with an Oxbridge degree I think it’s fair to make an effort to see your parents. She’s not miles and miles far from them her son when he’s home drives to see his grandparents so she can too but I don’t think she wants to and that’s her choice.

OP posts:
PenelopeJoanSterling · 23/06/2026 23:18

ForEagerRobin · 23/06/2026 23:07

Not sure but getting to Oxbridge was not as tough as it is now. I went to university when universities were not oversubscribed not everyone was going to university. When I went it was purely humans that decided based on personal statements etc where as now part of entrance is computerised, algorithms etc, pre entrance exams I went before there was even an aptitude test I think those were introduced in mid 2000s. I would not get into Oxbridge now.

very true words, back in the day much easier

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