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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:
geumsun · 23/06/2026 21:11

So they are not just disinheriting their own daughter, but her children/ their grandchildren as well? They sound awful.

ilbehonest · 23/06/2026 21:12

Also the way you justify it... if one of your children didn't help you and another did would you do the same?

Fartughtyred · 23/06/2026 21:12

NoArmaniNoPunani · 23/06/2026 21:10

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

This would be a decent thing to do.

MrsTomRipley · 23/06/2026 21:13

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?

Totally agree with this. Your parents sound horrible.

TheRealMagic · 23/06/2026 21:13

ForEagerRobin · 23/06/2026 21:10

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.

Yeah, this isn't the first time they've treated your sister poorly, however convenient it would be for you to believe that they were wonderful parents and that any problems in the relationship are all your sister's fault.

LovingPeachFatball · 23/06/2026 21:13

Your sister is going to contest the will, she is going to win, and you will end up with about £200k after she and the lawyers take their cut. Split it.

VickyEadie · 23/06/2026 21:13

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.

They seem to have aged from their 70s to their 80s in one day...

This is a bit of a story, isn't it?

Wordsmithery · 23/06/2026 21:14

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

Well, most of us, actually. Do you think only rich people should breed?

That aside, I can't imagine what your parents are thinking of. Far better for them to talk to your sister and resolve whatever has gone wrong in their relationship than to do something as extreme as depriving her of a massive amount of money.

I'd be trying to persuade them all to air their grievances together before it's too late.

ilbehonest · 23/06/2026 21:14

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.

totally agree. I have a sister who can be wreckless with money at times but she's a single parent and tries her best. me and my other sister and our parents have put money aside for her son. we don't look down on her or think we are better. we have different circumstances.

ForEagerRobin · 23/06/2026 21:14

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.

My parents are well aware of tax implications my father was a financial advisor he has taken professional advice on how to go about this gift. We are not trying to avoid tax at all.

I am not especially close with my sister, she barely interacts with me unless she needs something and when she can’t get it she disappears, her children are a bit older and keep in touch with me so I know she is perfectly fine. I think she’s just realising that she has wasted her life and now can’t exactly start again and mend relations when she has been given countless of chances. I love my sister but also I have a life of my own now.

OP posts:
Seaside3 · 23/06/2026 21:15

Got to say, neither you or your parents sound terribly lovely. Little wonder your sister keeps her distance.

TankFlyBossW4lk · 23/06/2026 21:15

Take the money. I guarantee 💯 that your sister would take the money if the tables were turned.

thepariscrimefiles · 23/06/2026 21:15

Cutting one child out of such a large inheritance is a horrible 'fuck you' by your parents. She hasn't committed a crime or done something so unspeakable that would warrant such a cruel gesture. What about her children? Are they included in the will or are they being punished because their mum is a bit shit?

BTW your life doesn't sound particularly 'modest'.

ilbehonest · 23/06/2026 21:15

ForEagerRobin · 23/06/2026 21:10

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.

good attempt to save yourself 😜

frecklejuice · 23/06/2026 21:15

You are obviously planning on taking the money so I’m not sure why you’re asking, you also won’t get a lot of sympathy when you say you live modestly but have children at private school, 3 holidays a year and you don’t understand why people have children if they can’t save for them!

If it were me I’d take the money and give my sister £100K or something but then I like my sister so 🤷‍♀️

Flapjak · 23/06/2026 21:15

Unless your sister has done some really awful things to your parents to give you a million and her nothing is an awful legacy to leave
,I wonder if her relationship with your parents was the same as yours growing up ?

Arlanymor · 23/06/2026 21:15

"What kind of parent has children when they can't save for their futures".

This morning I was at the opening of a new community hub where we were planning the launch event which includes a clothes swap, food bank and redistribution service for surplus essential goods. I wish I had read this post earlier so that I could tell the community members of the group that they shouldn't have had children because they were born into poverty, remain in poverty and somehow (!) still can't save for the futures of their children. Maybe we should offer forcible sterilisation as part of the launch event? Jesus wept. It's too hot to deal with ignorant rich people problems, it really is. £1m cry me a river.

laurini · 23/06/2026 21:16

You live a "very modest life" but bought an XC90 outright and your children go to private school. Lol. Also, are your parents in their 70s or 80s? You've said both...

tukatuka · 23/06/2026 21:16

How did your sister find out?
are they in their 70s or 80s?
why are they giving it to you now? At their age it could be seen as a way to avoid IHT.

Pssedoffathis · 23/06/2026 21:16

I am going to highlight where you said what kind of parent has children when they can't save for their future... and also say thats most parents. You are very privilaged OP but I feel sorry for your sister. A million pound snub is a massive fuck you to your sister from your parents. Are they trying to ruin your relationship with her? They must know this might cause a rift that can not be repaired. I woukd speak to them about it you will need your sister when your parents are gone

KitchenColourandstyle · 23/06/2026 21:16

tinyviolinforme · 23/06/2026 21:09

‘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?

Especially ones who lives a 'modest' life of 3 holidays a year and private school fees!

HoldMyWine · 23/06/2026 21:16

This is an unfair predicament that your parents have put you in. I would accept the money though. It doesn’t sound like you have much of a relationship with your sister, would she do the same for you?
Like others have said put some to one side and invest it to give to her children?

Morepositivemum · 23/06/2026 21:17

Op you had me before the judging too. Some people are good with money and also choose a more frugal way of living, others are more about living in the now, neither way is wrong, also just because two people have similar opportunities doesn’t mean they both get the same possibilities as everyone has different strengths and weaknesses.

AmIbeingscammed · 23/06/2026 21:17

It sounds as if you are pleased that your sister is being left out.

ForEagerRobin · 23/06/2026 21:17

Wordsmithery · 23/06/2026 21:14

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

Well, most of us, actually. Do you think only rich people should breed?

That aside, I can't imagine what your parents are thinking of. Far better for them to talk to your sister and resolve whatever has gone wrong in their relationship than to do something as extreme as depriving her of a massive amount of money.

I'd be trying to persuade them all to air their grievances together before it's too late.

No I do not thing on my rich people should have children. I do think people should think about finances before having children. We thought thoroughly about finances before having children and wanted to give them the very best we could. Having children but not being able to gift them something to start their life just seems harsh to me especially in the world we are living in at the minute where everything is so hard for young people these days.

OP posts: