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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:
Yetanotherone12 · 24/06/2026 15:23

ForEagerRobin · 24/06/2026 14:16

You’re right but I personally wouldn’t have children if I knew I couldn’t afford to take them to private school that’s just me not everyone has to send their children to a private school. I attended private school and throughly enjoyed my time at school, it’s not all about academic it’s the extracurricular activities too that I enjoyed most and my children enjoy. We do not have academic expectation for our children just do the best you can, we want them to have qualifications but aren’t bothered by As and A*s that doesn’t matter to us. As long as they are good kids with skills and creativity that’s all we care about. They’re creative children and we’d rather focus on that instead of pressuring them in a school that has 25+ children in a class room. My children couldn’t learn in that environment personally and we recognise that.

DH and and I discussed all of this before having children. Which is why we had children a bit later in life albeit we’ve been together since we were 18.

You can make plans all you like. You say this now, but life can kick you in the balls.

for example, my mum was in the place you are in now. Comfortable lifestyle, 2 kids in private school, holidays, nice house, 2 cars. What you would call a “modest” lifestyle, I call privileged. Easily able to save for us kids.

because guess what? My dad dropped dead. So my mum as a single parent went from a high income household to minimum wage.

no more private school. Sold the house, sold the cars. Moved to a cheaper area. Is kids got jobs at 14 to buy our own clothes, driving lessons etc.

so you can say people shouldn’t have kids if they can’t afford to give them x, y and, z, but where you are when you make that choice does not always stay that way.

how well off would you be on a pt civil service pension if your dh died or became disabled and you lost his income? Or he divorced you and you had to survive on your wage and child maintenance? Would you be so smug about not having kids if you can’t gift them a house deposit then?

lightseeker · 24/06/2026 15:24

"He’s embarrassed for himself as a father he doesn’t blame her he blames himself and sees it as a failure on his part"

It can be very toxic when parents can only see their children in terms of a reflection on themselves. Some may say narcissistic? Your sister is an adult human being in her own right, not an extension of him.

KitchenColourandstyle · 24/06/2026 15:29

ForEagerRobin · 24/06/2026 14:32

Yes we tried a state school as it was closer to us and was a good school but our children were never going to thrive in that environment.

But you would never have had children if you couldn't afford private so why would start them in state school? Private school is either a deal breaker or it isn't. Do try to keep your story straight.

No wonder your sister feels she can't live up to the 'perfect family' ideal. Because it changes every 2 minutes. No wonder she wants to drive a flash car when your very, very comfortable life is seen as the 'poor relations' by your clearly minted clan. She has checked out of your family because she can't win. Don't spend money on a car but do be at hand the taxi the millionaires to the airport.

SerenaCat93 · 24/06/2026 15:29

Oliveoy · 24/06/2026 13:37

So if somebody knows they would be able to feed and clothe their child, provide a roof over their head, also pay out for things like an annual holiday, school trips, music lessons, tutoring, sports clubs etc etc BUT they don't have enough left over each month with increased cost of living to squirrel away for the child's house deposit, then they shouldn't have children?

In this ridiculous situation I would consider the parents spending all their money now and not saving any for their child's future irresponsible. Cut back on holidays and clubs and save some. They have the money to provide a nest egg for their child's future so they should. Everyone knows spending everything you have and saving nothing is stupid.

When a child reaches 18, can't afford to go to university, can't afford driving lessons, can't afford a car to get to work in then is stuck in rentals for the next ten years being unable to save a house deposit because their parents failed to save a nest egg for them to launch them into adulthood then "but you had lovely holidays, 4 extra curricular activities and a tutor darling!" Doesn't matter anymore does it. Being stuck in low paying jobs because you can't get anywhere and having your whole adult life limited by the limits placed on your employment, education achievement and rental costs is awful. I've seen it happen to many friends. They got their degrees but being unable to drive, or have licence but no car limits their employment opportunities so much they never progress in their career to a point where they can afford those things and housing at the same time. They have to choose one or the other and end up 10 years behind their peers in either their career or on the property ladder. They NEVER catch up. To do that to your child willingly is poor parenting.

ForEagerRobin · 24/06/2026 15:38

Bubblesgun · 24/06/2026 14:45

@ForEagerRobin you have go to re read what you write. Seriously now you re being obnoxious.

i had agreed with you, you responded to me and said you would give her 50% fine, then you write an essay about private school and giving the best to your children.

i tell you what matters with children - mine are middle and late teen - it s consistency, role modelling and taking responsibility for your successes and for your mistakes. That what my husband and I teaching our children. Work hard / play hard.

my children go to private and are too spoiled I admit but since the age of 14 they have worked. First babysitting and now at 16 and 18 saturday job and full time summer jobs respectively.
my husband had a saturday job in his parents bakery since he was 11, i was only allowed to babysit.

your children will not be great adults if wverything they have has been handed to them on a platter.

we tell pur kids all the time you will have an education and a driving licence. The rest is on you. Your home is open to you and we will always support you emotionally but not financially from your first job onwards. And if you live at home we will charge you rent (which we will save on their behalf).

in our will they are the recipient of everything down the middle.

and we raise them like because we love them. Because we want them to live in the real world not in the bubble of priviledge kids even though they are priviledge. I want them to be humble and to know to roll up their sleeve and use the elbow grease. Currently our eldest is working for construction company in health and safety; and the youngest in an ice cream
shop

we re not in the UK.

so get a grip and do your children a favour, do not spoil them more than they already are.

I am giving her 50%

Not everything is being handed to them on a platter though ? I worked from 14 too I’m not saying I’m going to I’ve then everything but I believe it’s my duty to give my children a good start in life. I chose to have them no one forced me they don’t owe me anything. As long as they don’t end up as criminals or committing heinous crimes I’ll be proud of whoever they chose to be. That’s what parenthood is to us.

I will not charge my children rent that’s just not how I am and if they insist I’ll just save it for them ? My aunts and uncles charged their children rent but didn’t keep their children’s money they gave it to them when they bought houses. I just don’t think I’ll feel comfortable in charging my children rent. I’m always open to changing my mind if I do charge then rent I’ll just put the money aside for them. I don’t want my children’s money for what reason ?

Private education to me is giving the best to my children. Not everyone has to do that ? They were at a state school and hated it, the teachers didn’t care, they didn’t seem to even like teaching one or even want to put in the time. They’re overstretched with other things I’m not blaming the teachers. I’m blaming the system. My children have thrived in private education so we will keep them there, they’re happy, they have friends are involved in county sports, go on trips, meet interesting people all the time that visit the school, there’s lots of opportunities for them, they’re independent children that are doing great. Everytime they meet someone ie a scientist and author etc they say they want to work just as hard as them. They’re not lazy, they are innocent in this. Maybe I’m wrong for the education I want them to have. Lots of children go through this same education and still end up hard working individuals. I have cousins with children older than mine they go to schools that cost 30k+ a year, they have part time jobs on the weekend, they’re respectful kids and they are gaining work experience not everything is being given to them. My children are still young so no they can’t for instance go work on a construction site to see the value of hard work.

We aren’t perfect parents I’ve never claimed to be a perfect parent. I’ll never be a perfect parent but if my children turn into reasonable well adjusted adults who are respectful, with ambition and drive amongst other things I’ll be proud. The world is cruel to the next generation there’s less and less opportunity for them so why can’t I give my children that I brought into this world by choice they didn’t ask to be here a chance.

OP posts:
ForEagerRobin · 24/06/2026 15:43

KitchenColourandstyle · 24/06/2026 15:29

But you would never have had children if you couldn't afford private so why would start them in state school? Private school is either a deal breaker or it isn't. Do try to keep your story straight.

No wonder your sister feels she can't live up to the 'perfect family' ideal. Because it changes every 2 minutes. No wonder she wants to drive a flash car when your very, very comfortable life is seen as the 'poor relations' by your clearly minted clan. She has checked out of your family because she can't win. Don't spend money on a car but do be at hand the taxi the millionaires to the airport.

That’s true we did that because it was a good school and wanted to try and see. Regardless we made sure to save for private education in case. Some children do not thrive in private education we were prepared for that. I went to a private school I enjoyed it, I still meet up with my friends from school we all speak fondly of our time there.

You’re right that’s probably why ahaha no one is forcing her to do these things at all. I’m certainly not. I just think my parents are elderly, they’re losing friends constantly every other month there’s a funeral it’s a tough time for them and I’d like to be there for them as much as possible. I love my parents always will love them. I wish things were different and I’ve tried but nothing I can do till I receive the cash and investments but I will share with my sister I’m not going to just cut her dry it’s the right thing to do and it’s her money too I don’t deserve it I didn’t earn it it’s just my fathers money to which he feels as though he had to leave for us no one’s forcing him to do that either.

OP posts:
ForEagerRobin · 24/06/2026 15:44

lightseeker · 24/06/2026 15:24

"He’s embarrassed for himself as a father he doesn’t blame her he blames himself and sees it as a failure on his part"

It can be very toxic when parents can only see their children in terms of a reflection on themselves. Some may say narcissistic? Your sister is an adult human being in her own right, not an extension of him.

Maybe he is a narcissist I’m not sure I don’t really know what a narcissist is I’m not a registered psychiatrist and what not. All I know is what he tells me he feels I can’t control how he feels

OP posts:
Flamingojune · 24/06/2026 15:45

ForEagerRobin · 24/06/2026 14:16

You’re right but I personally wouldn’t have children if I knew I couldn’t afford to take them to private school that’s just me not everyone has to send their children to a private school. I attended private school and throughly enjoyed my time at school, it’s not all about academic it’s the extracurricular activities too that I enjoyed most and my children enjoy. We do not have academic expectation for our children just do the best you can, we want them to have qualifications but aren’t bothered by As and A*s that doesn’t matter to us. As long as they are good kids with skills and creativity that’s all we care about. They’re creative children and we’d rather focus on that instead of pressuring them in a school that has 25+ children in a class room. My children couldn’t learn in that environment personally and we recognise that.

DH and and I discussed all of this before having children. Which is why we had children a bit later in life albeit we’ve been together since we were 18.

I thought you chose private because of their extra needs which you wouldn't have known about before they were born

cupofteacupofteaalmostgotshaggedcupoftea · 24/06/2026 15:45

InterIgnis · 24/06/2026 14:45

She is no less part of the real world than anyone else is. She just doesn’t exist in the same circles as you.

People choosing to delay children, limit their family size, or not have them at all until/unless they’re in the financial position they personally want to be in, in order to do so, is hardly an unheard of concept or unusual occurrence.

No one said you had to think like OP does. You don’t, and nor does she have to think like you.

She’s clearly writing these semi coherent essays on her choices in an attempt to garner sympathy and understanding. She’s not succeeding because her ideas of good parenting - and she has plainly stated she doesn’t understand other people who don’t do as she does - are ridiculous, unrealistic and judgemental.

You have no idea what circles I occupy. We’re wealthy and very well educated by this country’s standards as are most of our friends and neighbours. These sorts of attitudes towards people who have not had our opportunities/success have no place in a civilised society, let alone coming out of the mouth of a tax payer funded civil servant.

ForEagerRobin · 24/06/2026 15:46

MyIcyHeart · 24/06/2026 14:22

So, people like me, who aren't even in a position of providing £1,000 ISAs for my children, thus far, should not have bred?

Anyone can have children if they want to

OP posts:
Bubblesgun · 24/06/2026 15:47

ForEagerRobin · 24/06/2026 15:38

I am giving her 50%

Not everything is being handed to them on a platter though ? I worked from 14 too I’m not saying I’m going to I’ve then everything but I believe it’s my duty to give my children a good start in life. I chose to have them no one forced me they don’t owe me anything. As long as they don’t end up as criminals or committing heinous crimes I’ll be proud of whoever they chose to be. That’s what parenthood is to us.

I will not charge my children rent that’s just not how I am and if they insist I’ll just save it for them ? My aunts and uncles charged their children rent but didn’t keep their children’s money they gave it to them when they bought houses. I just don’t think I’ll feel comfortable in charging my children rent. I’m always open to changing my mind if I do charge then rent I’ll just put the money aside for them. I don’t want my children’s money for what reason ?

Private education to me is giving the best to my children. Not everyone has to do that ? They were at a state school and hated it, the teachers didn’t care, they didn’t seem to even like teaching one or even want to put in the time. They’re overstretched with other things I’m not blaming the teachers. I’m blaming the system. My children have thrived in private education so we will keep them there, they’re happy, they have friends are involved in county sports, go on trips, meet interesting people all the time that visit the school, there’s lots of opportunities for them, they’re independent children that are doing great. Everytime they meet someone ie a scientist and author etc they say they want to work just as hard as them. They’re not lazy, they are innocent in this. Maybe I’m wrong for the education I want them to have. Lots of children go through this same education and still end up hard working individuals. I have cousins with children older than mine they go to schools that cost 30k+ a year, they have part time jobs on the weekend, they’re respectful kids and they are gaining work experience not everything is being given to them. My children are still young so no they can’t for instance go work on a construction site to see the value of hard work.

We aren’t perfect parents I’ve never claimed to be a perfect parent. I’ll never be a perfect parent but if my children turn into reasonable well adjusted adults who are respectful, with ambition and drive amongst other things I’ll be proud. The world is cruel to the next generation there’s less and less opportunity for them so why can’t I give my children that I brought into this world by choice they didn’t ask to be here a chance.

No one is disputing that. But you are preaching everyone with your righteousness.

as others have said you have to stop and think of how you come across. and the inconsistencies of your story, and how people shouldnt have children if they cant save for their future, etc.

thats how you are so out of touch you cant even see it.

but hey i dont blame you, you are a product of your parents who put more value on money and control with money than on love.

your dad is blaming himself you say?
when was the last time he told your sister “I Love you” not with money but with his heart? My guess never since he is able to cur her off because her choices are making him blame himself.

he is acting like her victim instead of properly supporting his child and i dont mean by giving her money.

i m glad i dont know you and your family in real life.

ForEagerRobin · 24/06/2026 15:49

cupofteacupofteaalmostgotshaggedcupoftea · 24/06/2026 15:45

She’s clearly writing these semi coherent essays on her choices in an attempt to garner sympathy and understanding. She’s not succeeding because her ideas of good parenting - and she has plainly stated she doesn’t understand other people who don’t do as she does - are ridiculous, unrealistic and judgemental.

You have no idea what circles I occupy. We’re wealthy and very well educated by this country’s standards as are most of our friends and neighbours. These sorts of attitudes towards people who have not had our opportunities/success have no place in a civilised society, let alone coming out of the mouth of a tax payer funded civil servant.

Why is it such an offence to take children to private school or want to gift them something substantial for their 25th birthday ? I was gifted at that age actually everyone in my close friendship group was gifted quite a substantial amount at 21 I just grew up thinking that’s normal for a lot of people. Im aware of the COL crisis but I am ignorant to say the least. In the context I live in most of my family pity us and think we are poor my cousins live completely different lives and that’s okay too.

OP posts:
ERthree · 24/06/2026 15:50

Don't insult or hurt your parents by refusing their gift. You can use some of the money to help your sisters children in the future with a lump sum for a house deposit. Your sister is being pathetic. She would only waste every penny.

ByHangryHazelQuoter · 24/06/2026 15:56

How will you divide your assets when the time comes OP? Will you favour one of the other child based on their performance as a dutiful child? It would be fair to share the criteria as early as possible to avoid any misunderstanding.

arminius · 24/06/2026 15:59

ThatCyanCat · 24/06/2026 14:34

The one thing I can believe is that this person is in the civil service.

laughs

Boomer55 · 24/06/2026 16:03

Take it, but give your sister some. I don’t get parents that don’t treat their ACs equally. 🤷‍♀️

ForEagerRobin · 24/06/2026 16:04

Bubblesgun · 24/06/2026 15:47

No one is disputing that. But you are preaching everyone with your righteousness.

as others have said you have to stop and think of how you come across. and the inconsistencies of your story, and how people shouldnt have children if they cant save for their future, etc.

thats how you are so out of touch you cant even see it.

but hey i dont blame you, you are a product of your parents who put more value on money and control with money than on love.

your dad is blaming himself you say?
when was the last time he told your sister “I Love you” not with money but with his heart? My guess never since he is able to cur her off because her choices are making him blame himself.

he is acting like her victim instead of properly supporting his child and i dont mean by giving her money.

i m glad i dont know you and your family in real life.

I think he tells her he loves ever every single time he speaks to her maybe he’s lying I don’t know I’m not him so I can’t confirm. Has offered for her to go stay with them while she works on things,they have offered support in many ways she doesn’t want it unless it’s money. My father was a great father to us both, supportive, we both used to go to him for everything, first heartbreak I remember times when we both used to cry to him, we both loved our father growing up there were never any glaring issues. I can only say maybe how he was raised wasn’t right, each generation tries he is stuck is in his way in regards to certain things and sees himself as a failure in how things have worked out he’s never blames her he’s always taken the blame. I can’t fault him for being sad that she didn’t come to see him when he was ill he truly does love her. Hasn’t shown it recently but up until recently I’ve never doubt his love for us she has said that too.

I haven’t said I’m perfect. I’ve explained my upbringing maybe it wasn’t the best but I know my parents tried I can give them the benefit of the doubt. They didn’t do this to harm me in their way they probably thought they were protecting me. I’ve certainly got work to do but currently I’m focused on wiring through the loss of my child that’s more important to me right now not my upbringing. My sister is allowed to have her own views but she cannot say our father wasn’t supportive or wasn’t there. He always showed up every single time I don’t think there’s ever been a point in my life where my father hasn’t showed up. The most meaningless things he showed up to just to support us. He is a great father that is filled with resentment now due to what’s happened in recent years I wish I could fix it I can’t. I’ve tried to talk to him, my mother has tried but the resentment is loud and clear. There’s only so much I can do.

OP posts:
ForEagerRobin · 24/06/2026 16:05

ByHangryHazelQuoter · 24/06/2026 15:56

How will you divide your assets when the time comes OP? Will you favour one of the other child based on their performance as a dutiful child? It would be fair to share the criteria as early as possible to avoid any misunderstanding.

No they each have the same amount. I’m not my father

OP posts:
ForEagerRobin · 24/06/2026 16:08

Flamingojune · 24/06/2026 15:45

I thought you chose private because of their extra needs which you wouldn't have known about before they were born

We always wanted them to attend private school. There’s a state school near us which we thought was nice easier commute so we thought we’d try it, the boys absolutely hated it, would cry all the time they had to go to school so we looked at our options. Now they enjoy school, have great friends and are supportive. The school told us they’d be able to support them but in the end they couldn’t. It just wasn’t the right fit for them.

OP posts:
ForEagerRobin · 24/06/2026 16:10

SerenaCat93 · 24/06/2026 15:29

In this ridiculous situation I would consider the parents spending all their money now and not saving any for their child's future irresponsible. Cut back on holidays and clubs and save some. They have the money to provide a nest egg for their child's future so they should. Everyone knows spending everything you have and saving nothing is stupid.

When a child reaches 18, can't afford to go to university, can't afford driving lessons, can't afford a car to get to work in then is stuck in rentals for the next ten years being unable to save a house deposit because their parents failed to save a nest egg for them to launch them into adulthood then "but you had lovely holidays, 4 extra curricular activities and a tutor darling!" Doesn't matter anymore does it. Being stuck in low paying jobs because you can't get anywhere and having your whole adult life limited by the limits placed on your employment, education achievement and rental costs is awful. I've seen it happen to many friends. They got their degrees but being unable to drive, or have licence but no car limits their employment opportunities so much they never progress in their career to a point where they can afford those things and housing at the same time. They have to choose one or the other and end up 10 years behind their peers in either their career or on the property ladder. They NEVER catch up. To do that to your child willingly is poor parenting.

@Bubblesgun this is better articulated pretty much what I wanted to say.

I do not want my children to constantly play catch up and I think that’s fair.

OP posts:
ThatCyanCat · 24/06/2026 16:18

NURSE HE'S STILL OUT OF BED

Oliveoy · 24/06/2026 16:20

SerenaCat93 · 24/06/2026 15:29

In this ridiculous situation I would consider the parents spending all their money now and not saving any for their child's future irresponsible. Cut back on holidays and clubs and save some. They have the money to provide a nest egg for their child's future so they should. Everyone knows spending everything you have and saving nothing is stupid.

When a child reaches 18, can't afford to go to university, can't afford driving lessons, can't afford a car to get to work in then is stuck in rentals for the next ten years being unable to save a house deposit because their parents failed to save a nest egg for them to launch them into adulthood then "but you had lovely holidays, 4 extra curricular activities and a tutor darling!" Doesn't matter anymore does it. Being stuck in low paying jobs because you can't get anywhere and having your whole adult life limited by the limits placed on your employment, education achievement and rental costs is awful. I've seen it happen to many friends. They got their degrees but being unable to drive, or have licence but no car limits their employment opportunities so much they never progress in their career to a point where they can afford those things and housing at the same time. They have to choose one or the other and end up 10 years behind their peers in either their career or on the property ladder. They NEVER catch up. To do that to your child willingly is poor parenting.

Hard disagree.

I'm talking about supporting a child academically and culturally throughout their childhood, with the aim that they will grow into a well rounded, capable, confident, independent individual who therefore has a better chance of providing for themselves. They can buy their own car, because instead of save save saving for their house deposit, the money was spent to equip them to succeed academically and in the workplace.

difftimes · 24/06/2026 16:21

ThatCyanCat · 24/06/2026 15:03

Well maybe it depends on whether she was at Ox or Bridge.

I'm actually impressed people can be so prolific and creative in this heat. I'm just watching my to do list grow and grow and I can't be bothered, it'll melt before I finish it.

Maybe she is based somewhere cooler?

ForEagerRobin · 24/06/2026 16:21

difftimes · 24/06/2026 16:21

Maybe she is based somewhere cooler?

yeah I am

OP posts:
ThatCyanCat · 24/06/2026 16:23

ForEagerRobin · 24/06/2026 16:21

yeah I am

Then there's really no excuse for all the inconsistencies.

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