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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:
Ophy83 · 23/06/2026 21:17

Hmm.. you don't even seem to know how old they are

Thechateau · 23/06/2026 21:17

This sounds like a toxic shitshow. I would love to hear the sisters side of this story.

ExtraOnions · 23/06/2026 21:18

ForEagerRobin · 23/06/2026 21:14

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.

It doesn’t matter what advice he’s taken, if your parents die within the next 7 years it’s taxable.

…you sound like a dreadful person, as do your parents.

Valpolichella · 23/06/2026 21:18

It is up to them what they do with their own money. If they are of sound mind and you say they are, it is up to them. If she doesn’t like it, she can take it up with them, you didn’t write their will.

Yetanotherone12 · 23/06/2026 21:18

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 🤷‍♀️

You like your sister but you’d keep 900k and throw her 100k?

you don’t like her that much do you?

I like my sister. I’d split it. Dh hates his sister, he’d still split his inheritance equally.

sprigatito · 23/06/2026 21:18

I’m struggling to get my head around parents who want their legacy to be to cause an irrevocable rift between their daughters. How unutterably wicked.

I would refuse the offer. And it wouldn’t be for my sister’s sake.

ExtraOnions · 23/06/2026 21:18

Ophy83 · 23/06/2026 21:17

Hmm.. you don't even seem to know how old they are

Yea.. it’s goady bullshit. I do get annoyed at myself when I don’t spot them.

ACynicalDad · 23/06/2026 21:19

I have two questions, if you take it and she goes NC how would that impact you. If they give £1m to you now what is left? I'd suggest she thinks about how she treats them and improves to get half of the remainder when they die.

ForEagerRobin · 23/06/2026 21:19

AmIbeingscammed · 23/06/2026 21:17

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

I’m not pleased ? It’s not a nice situation to be in. At the end of the day she is still my sister. I’d love for her to get something too from them but she burnt that bridge herself. There’s been so many instances where she had the chance to fix things with our parents but she wanted to be stubborn. She has been criticised for how she lives, that’s not a bad thing that’s what you do for someone you love. Hoping that they do see the errors of their ways and how it’ll hurt them in the future.

OP posts:
ilbehonest · 23/06/2026 21:19

you are obviously going to take the money

Housebashing · 23/06/2026 21:20

Your parents have got no right to put you into this position. It’s actually appalling.
Unconditional love flows downwards, not upwards
Your sister should be treated equally by your parents

HatAndScarf33 · 23/06/2026 21:20

Although I think it’s poor that your sister does so little for your parents, I think it’s really not right that they’ve essentially made their love and support for your sister conditional. She hasn’t behaved as they like and so they’re basically punishing her. I just can’t imagine doing that to a child of mine. They’ve also essentially thrown a grenade in your relationship with your sister. Which I also think is a shitty thing to do. Most parents only wish for their children to get on and be there for each other.

Anyway, that aside. You have your own family now and there is no doubt this money would benefit you all hugely. I think the damage between your sister and parents is already done and so as long as you are reconciled with the fact accepting the money will likely mean the end of your relationship with your sister, i wouldn’t judge you for taking it and enhancing yours and your children’s lives.

TheHateIsNotGood · 23/06/2026 21:20

Out of £1mill, unless my dsis was a complete prick, I'd be giving her at least £200k upon your DP's death.

As your DP's have made their POV known (linking effort to inheritance) you could also suggest to your dsis that maybe if she helped out a bit more then your joint-parents might equalize things a bit.

If she does and they don't change the will you promise to up her 'chunk' to £300k minimum.

AmIbeingscammed · 23/06/2026 21:20

ForEagerRobin · 23/06/2026 21:17

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.

You're sounding worse with every post. Circumstances change , redundancy, illness , divorce.

ARingtoit · 23/06/2026 21:20

This feels like it's for entertainment purposes. The author can't keep their story straight.

laurini · 23/06/2026 21:20

ForEagerRobin · 23/06/2026 21:17

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.

You're living on another planet mate

MargotGobby · 23/06/2026 21:20

I’m not buying Oxbridge with these posts … something isn’t ringing true.

PatsFishTank · 23/06/2026 21:20

Your parents sound awful. Not to split assets evenly between children is incredibly divisive and hurtful.

I think you're fanning the flames and I lost all sympathy for you with your "what kind of parents don't invest for their children comment". I haven't because I don't have the spare cash.

My siblings are wealthier than me and have been able to do more for their children than I have. It doesn't make them better parents - they just chose different careers and have more cash.

KateSixer · 23/06/2026 21:20

I think you have answered your own question here OP!

Your parents must be very hurt by your sister's behaviour to do this.

But, based on what you say, she has brought it on herself. And that's the hard truth here I suspect.

This gift comes with that schism in your sister's relationship made abundantly clear. It ultimately sets you on your parents' side of that divide but I suspect it just makes clear what has always really been the case.

So take it.

MaryBeardsShoes · 23/06/2026 21:20

For context, we had a very happy childhood. Our parents were loving, supportive and provided us with every opportunity. There was no obvious favouritism.

I’d like to hear your sister’s take.

ForEagerRobin · 23/06/2026 21:20

ExtraOnions · 23/06/2026 21:18

It doesn’t matter what advice he’s taken, if your parents die within the next 7 years it’s taxable.

…you sound like a dreadful person, as do your parents.

Where have I said I do not want to pay tax ? I’ll pay what is taxable I’m not trying to evade tax and neither are they.

OP posts:
Housebashing · 23/06/2026 21:21

AmIbeingscammed · 23/06/2026 21:20

You're sounding worse with every post. Circumstances change , redundancy, illness , divorce.

You have to plan for such events
I did not, and I regret it

KitchenColourandstyle · 23/06/2026 21:21

sprigatito · 23/06/2026 21:18

I’m struggling to get my head around parents who want their legacy to be to cause an irrevocable rift between their daughters. How unutterably wicked.

I would refuse the offer. And it wouldn’t be for my sister’s sake.

Edited

And disadvantage some of their grandchildren. If they disapprove of your sister they could skip a generation and gift direct to her children.

Valpolichella · 23/06/2026 21:22

Christ, all of you on here making inflammatory comments such as “wicked” and “you must be a dreadful person” have, very clearly, never have shit, awful siblings, who totally ignore your parents, leave everything to you once said parents become elderly and need help, then come, begging bowl at the ready, when the will is read.

Notellinganyone · 23/06/2026 21:22

I have three children and didn’t save for them. They were privately educated ( thanks to hefty staff fee reduction) and we paid their accommodation at uni. It’s not compulsory you know.

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