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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:
quartile · 25/06/2026 08:38

I think money can work both ways. There's been a lot of talk about saving money to give your children a good start, that can backfire. I know some middle aged neets who have never really needed to work due to very wealthy parents, less money would have been better in their lives.

Rubes24 · 25/06/2026 08:48

What an awful thing to do to your child! I didnt have my children so they could look after me and help me in later life. She is still their child and this is a huge rejection, im sure shes devastated. Thats not your fault and its a lot of money, but I could never give up my relationship with my sister for money. I guess you could take it and give her half yourself at a later point. Realistically will your parents give their entire estate away to someone other than their own kids because you took a stand, I doubt it.

bafta16 · 25/06/2026 08:58

Rubes24 · 25/06/2026 08:48

What an awful thing to do to your child! I didnt have my children so they could look after me and help me in later life. She is still their child and this is a huge rejection, im sure shes devastated. Thats not your fault and its a lot of money, but I could never give up my relationship with my sister for money. I guess you could take it and give her half yourself at a later point. Realistically will your parents give their entire estate away to someone other than their own kids because you took a stand, I doubt it.

I was the victim of this, it wasn't a million pounds though.
It nearly ruined my life tnh.

SeaShellsSanctuary1 · 25/06/2026 09:17

Sounds like a case of deprivation of assets with your parents needing increasing support

nomas · 25/06/2026 09:24

Why have your parents told her about their will?

thepariscrimefiles · 25/06/2026 09:35

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 were never going to be in a position where you couldn't afford to send your kids to private school because, even if you didn't earn enough to do this, mummy and daddy would have paid for it.

If you had come from a different background where private school wasn't the norm and there was no family wealth to fall back on, there is no way that you would have decided not to have children just because you couldn't afford private school.

TBH, if you and your family are typical examples of the mind-set of wealthy private school parents, I'd opt for a state school even if I could afford private school to avoid my kids mixing with such snobby and entitled people.

SixtySomething · 25/06/2026 09:49

DuckyLuck · 24/06/2026 22:58

This is all bollocks. Don’t believe a word of it.

I’m amazed this post is still here! I thought MN threaten to ban you if you disbelieve people? That’s happened to me more than once.
Totally agree with you btw. 😆

geminicancerean · 25/06/2026 09:51

This thread has become complex and convoluted, as they invariably do on here, but the crux of the issue is actually very simple: OP feels more deserving of their parents’ assets. And of course YABU to feel like that OP. Nobody is more deserving of this money that they didn’t earn themselves.

DuckyLuck · 25/06/2026 09:51

SixtySomething · 25/06/2026 09:49

I’m amazed this post is still here! I thought MN threaten to ban you if you disbelieve people? That’s happened to me more than once.
Totally agree with you btw. 😆

Me too 😂

geminicancerean · 25/06/2026 09:53

SixtySomething · 25/06/2026 09:49

I’m amazed this post is still here! I thought MN threaten to ban you if you disbelieve people? That’s happened to me more than once.
Totally agree with you btw. 😆

I’m 50/50, I do know some people (both Oxbridge educated and otherwise) with dizzyingly low levels of self awareness and OP could be one of them.

ForEagerRobin · 25/06/2026 10:02

Chodge34 · 25/06/2026 07:55

So many inconsistencies in this story. In your first post you said

“We are both oxbridge educated, went to very good private schools, the world was our oyster.”

So which did you attend, a very good private school or a very basic one?

It was a good school but I would say basic compared to say Eton or JAGS. I found it basic but realistically it wasn’t basic it was just the school everyone went to around me so I just see it as a basic fee paying school.

OP posts:
SixtySomething · 25/06/2026 10:02

geminicancerean · 25/06/2026 09:53

I’m 50/50, I do know some people (both Oxbridge educated and otherwise) with dizzyingly low levels of self awareness and OP could be one of them.

There’s still everything to play for!
I think OP needs to do something to convince us she’s genuine, like write a clever sentence in mathematics language .
That would do the trick. 🙂

geminicancerean · 25/06/2026 10:17

ForEagerRobin · 25/06/2026 10:02

It was a good school but I would say basic compared to say Eton or JAGS. I found it basic but realistically it wasn’t basic it was just the school everyone went to around me so I just see it as a basic fee paying school.

Please stop saying ‘it’s no Eton’ when referring to private schools. Nowhere is Eton except, well, Eton. Fewer than 0.02% of the country’s children attend Eton. Every time you attempt to become more relatable by saying ‘it’s not Eton’ you sound the exact opposite.

geminicancerean · 25/06/2026 10:18

‘A basic fee paying school’ is still a school that 93% of the kids in this country do not have access to. Jesus ffs op, open your eyes a bit.

SerenaCat93 · 25/06/2026 10:29

Oliveoy · 25/06/2026 08:22

We DO hope that DD will live independently, that's the whole point. We are prioritising her health, confidence, belonging and development in the here and now, to hopefully create long term capability. It's a trade off and a choice we have consciously made.

Again you have no idea that what we spend on DD is more than your disposable income. You literally said you own horses ffs.

I'm not going to waste anymore time explaining why we make the choices we do. I guarantee that we angst far more about DD's future and how we can lay a path for her than most people just sticking money in an ISA. I wish our life was that simple.

Crack on then. You're the one getting upset I disagree with your choices there's no angst on my side.

If you think the only thing people who save for their children s future do to prepare them for adulthood is "stick money in an ISA" you don't understand the values parents are instilling in their children which is a shame.

EasternStandard · 25/06/2026 10:34

SixtySomething · 25/06/2026 09:49

I’m amazed this post is still here! I thought MN threaten to ban you if you disbelieve people? That’s happened to me more than once.
Totally agree with you btw. 😆

Yes surprising it’s there, I hope it’s correct and a sister isn’t going to have everything she thought about her family shattered.

KitchenColourandstyle · 25/06/2026 10:50

EasternStandard · 25/06/2026 10:34

Yes surprising it’s there, I hope it’s correct and a sister isn’t going to have everything she thought about her family shattered.

Don't worry the sister knows exactly what her family are like - hence the distancing from them.

randomnamegenerated · 25/06/2026 10:51

ForEagerRobin · 25/06/2026 10:02

It was a good school but I would say basic compared to say Eton or JAGS. I found it basic but realistically it wasn’t basic it was just the school everyone went to around me so I just see it as a basic fee paying school.

Eton and JAGS are similar in the same way apples and oranges are both fruit. That's about where it ends.

HedgehogSam · 25/06/2026 11:37

Well, this thread has been entertaining if nothing else. Some of your opinions are rather troubling @ForEagerRobinand just adding "maybe I'm wrong" doesn't absolve you of expressing these views. I can't stand that sort of Trumpian shoulder-shrugging, "many people say" or "I could be wrong but" and then saying the most outrageous things.

In my view, your parents' behaviour to your sister is appalling and can't be justified in any way, despite your repeated attempts at character assassination.

As for the nonsense that parents should "gift" (shudder) money to their children or they are being harsh? I could not disagree more. My parents supported me financially through my undergraduate degree, for which I will be extremely grateful for the rest of my life. But after that I stood on my own two feet. I went on to receive a doctorate and now have an academic career. My parents didn't buy me a car or pay for driving lessons, they didn't give or lend me the deposit for a house, etc. If I'd ever needed financial assistance, I have no doubt they would have provided it, but I certainly never expected anything as a matter of course. Financial independence has always been important to me. My DH (also an academic) and I may have been slightly older when we bought our first house than our contemporaries who received money from their families. But I wouldn't have wanted it any other way.

I was extremely fortunate to grow up in a family that valued education and created a warm environment of security and love, that believed in hard work and achievement. It was a family without favouritism, without transactional relationships and weaponised gifts of money. I feel sorry for you that you are stuck in that sort of family.

lightseeker · 25/06/2026 12:00

randomnamegenerated · 25/06/2026 10:51

Eton and JAGS are similar in the same way apples and oranges are both fruit. That's about where it ends.

Yes this comment makes me call bt on the whole thread.

drippingyethappy · 25/06/2026 12:03

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?

This. Doesn't seem real.

Oliveoy · 25/06/2026 12:03

SerenaCat93 · 25/06/2026 10:29

Crack on then. You're the one getting upset I disagree with your choices there's no angst on my side.

If you think the only thing people who save for their children s future do to prepare them for adulthood is "stick money in an ISA" you don't understand the values parents are instilling in their children which is a shame.

If I'm getting upset, it's not at your position itself now but the cold and clinical way you keep maintaining it, ignoring what I'm trying to explain about the nuances of having a child with a serious health condition.

Case in point here. I use the word angst over DD's future. That's because we don't know what lays ahead for her...will she be able to keep attending school. How will her condition impact upon her GCSEs - not in general result terms, but will she actually be able to physically get through each exam. What will her options be post 16. Will she be able to work and in what capacity. We hope she will be able to live independently, but it's possible that she won't. Will her condition worsen. Will her mental health plummet. Are the school going to ring me today to say an ambulance has been called. Will she make it home safely today.

That's my angst. And your reply? "There's no angst on my side."

Cold as ice.

Yetanotherone12 · 25/06/2026 12:54

lightseeker · 25/06/2026 12:00

Yes this comment makes me call bt on the whole thread.

For me it’s the “financial advisor” suggesting thy gift a fuckton of money instead of paying school fees.

i’m no tax advisor but that would completely avoid IHT and it seems bonkers to do it as a lump sum gift.

ForEagerRobin · 25/06/2026 13:11

randomnamegenerated · 25/06/2026 10:51

Eton and JAGS are similar in the same way apples and oranges are both fruit. That's about where it ends.

My mum went to JAGS, so I feel I can comment on this.

The school I attended wasn't particularly prestigious; it was simply a fee-paying school. Not all private schools are highly ranked or especially selective. For admission, I had to sit an entrance exam, provide a reference from my prep school and have a ‘interview” more so a meeting with the head. In reality, the "interview" was more of a chat to get a sense of who I was.

There were also strong links between my prep school and the senior school so it wasn't an especially daunting process. I was only 11 years old and hardly a competitive candidate. I am not here to say I was a prodigy. Neither are my children. They got a big standard school that accepts anyone who is willing to pay the fees. They had an interview with the head but it was more just to see what they like to do etc.

I was comparing my school to Eton & JAGS to emphasise that my school was no where near the top ranks and not really selective. My children couldn’t even get into Dulwich if we tried and that’s okay they can attend a basic school and still get an education. That is what I mean. Everyone seems to get the impression that I’ve sent my children to private school because I believe it’s better education and that we are better. I just sent them to the school they liked the most, they viewed lots of schools, were more concerned about the food and sports offered it’s their choice they get to pick. They didn’t enjoy the state school, they were constantly upset and maybe that’s on them as some would say but regardless they’re children in my view they deserve to be happy at the school they attend. I don’t see an issue with that.

OP posts:
ForEagerRobin · 25/06/2026 13:16

drippingyethappy · 25/06/2026 12:03

This. Doesn't seem real.

It isn’t about the taxi cost? They prefer us taking them to the airport. I don’t mind but I was busy at that time. DH and I also travel to and from the airport with family members giving taking us and picking us up. It’s not forced upon them they offer and we don’t say no. It’s not a bad thing my cousins take us and when they go on holiday we take them. It’s easier less faffing about with taxis.

OP posts: