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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Deprioritised in father's will in favour of step-family

191 replies

MyFunSloth · 13/07/2025 18:41

Pre-warning, this is a long read about family dynamics. It mentions step-parents and inheritance and I’m prepared to put my hard hat on regarding people cheekily expecting money from their parents, but please remember this is real people I am writing about.

My father had three children with my mum. I am the youngest and have an older brother and sister.

When I was 6 my mum had an affair and my parents’ marriage began to collapse into vicious rows in front of us. We grew up inside this unhappy atmosphere. Eventually when I was 8 (my older brother and sister 12 and 15), my dad moved out and they divorced.

He bought a flat in the same town and we saw him 2-3 times a month, never overnight. The rest of the time, we lived with my mother. After the divorce she became highly unstable - my dad had always been the “calm one” and without him around her fiery temper grew out of control.

As kids, we had the outward signs of being middle class (Sunday school at church, grammar school education, detached house), but behind the scenes my mum was physically violent to us and emotionally abusive, oscillating between periods of incredible love (holiday to Disneyland, elaborate birthday parties) and unhinged behaviour (irrational screaming, storming in and out of the house, hitting us).

The separation hit my father hard and he had a mini-breakdown. He was just about able to continue working. He owned his own business and was a higher earner although not “rich”.

As children, our relationship with our dad was friendly but distant. He would take us out for dinner and the cinema and occasionally on holiday. But there was a superficiality to things. He was reluctant to know too much about our home life. At times he felt like a kindly uncle rather than my dad and he stepped back to let her make all decisions about schooling, life admin, etc.

After a few years he met a woman ten years younger. It was a long time before he introduced us to her. She had a daughter from a previous marriage who was my age. Unlike the image of an evil stepmother, she was a nice woman. Straightforward and made an effort to be friendly. She had been a nurse and was a single parent, who had had a tough childhood. She hasn’t worked since being with my dad. As a kid, I sometimes felt jealous that my dad now had a new daughter the same age as me, who lived with him and benefited from his time and resources, but I just learned to deal with it.

My mum did not remarry and grew bitter about my dad moving on. His business flourished and he invested in several properties including a lavish holiday home in Spain.

Mum’s career developed so she enjoyed a comfortable life, but she struggled before eventually (20 years ago) meeting a kindly widower who brought a new sense of calm into her life. Since then her personality has improved a huge amount. She has apologised for the difficulties of our childhood and been eager to support her three kids with help for home deposits, despite her relatively unflashy lifestyle. She is now 80. Our relationship is not perfect, but for better and for worse she has made an effort. I’ve had therapy to understand why she is the way she is, and it’s helped me to lay the past to rest.

After several years my dad married his new partner, and they have now been together a total of thirty years - he is 80, she is 70. None of his children were invited to their wedding, although her daughter was. We were told afterwards, which was humiliating at the time.

Five years after they married, my dad’s new wife had a spectacular falling-out with my sister over a disagreement. She refuses to be in the same room as my sister and won’t facilitate contact. My dad won’t challenge this despite my sister begging to apologise. As a result, my dad sees his daughter and her children only once a year. My sister is devastated about this but has had to accept it.

More generally, our relationship with our dad has remained distant. Like many older parents, he is fond of telling us about what his neighbours are up to, or to talk about politics, but he shows very little deep interest in our lives, careers, families, etc. He gave all of his children financial support at university (monthly “pocket money” to see us through) but has provided zero financial support in the twenty-plus years since we graduated. (Many people would say this is quite appropriate given we are all grown-ups, and I don’t disagree).

Our relationship is still in the kindly uncle stage and he is very resistant to deepening it beyond being quite superficial. Birthday cards, Christmas cards, and a couple of dinners out per year where I hear the same old stories. I’ve tried to open up to him about the past but it’s clear the mental scars of the divorce remain for him and he is totally incapable of addressing the past, which I’ve had no choice other than to respect.

Both my parents are now old and have had health scares. My mum has prepared her will to leave the majority of her assets to her three kids.

I saw my dad for lunch last week and he raised the topic of his own will, without any prompting for me. He told me that he expects his wife to outlive him (not unreasonably given she’s ten years younger) and the plan is for half to go to her daughter (50%), and the other half to be split three ways between his kids (17%).

Here’s the AIBU. This conversation has hit me like a ton of bricks. I’ve been unable to sleep and felt upset ever since I found out.

This may sound weird, but it doesn’t feel it’s really about the money. (That old adage that when someone’s response to something seems irrational, it’s about something more than the thing it seems to be about).

I was expecting that he would choose with my step-mother to split the estate four ways, which means my share would be 25% - not that much different from the 17% I may get in this plan. Rationally, it’s not something to get worked up about especially as no-one knows what the future holds (bear in mind we are probably talking about assets of over £2m).

What has floored me is what this means emotionally to me. Not the money. I have always felt that my dad abandoned us when I was only 8. That he moved on with his life, even married someone with a daughter of the same age as me, and then just discharged a kind of genteel minimum in our relationship ever since. He left his children in the care of a woman who he knew was mentally unstable, who hit his children. Despite accruing significant wealth in the years since, he hasn’t made an effort to use it to bring us together, no big holidays for all his children and grandchildren. He’s enjoyed business class holidays while his elder daughter has scrimped and saved to provide for her kids. And all along, he’s just continued with an arms-length relationship with us.

On some level I always had an unspoken feeling that underneath it all, we still had a fundamental importance to him. In a crazy way I felt that although he let me down so many times through my life, his last act would be to see us right. This news makes it feel like that’s not the case.

I don’t know if I need to give my head a wobble and see this as merely behaviour that’s been consistent with his relationship with us his entire life.

I’m expecting people to say that this is just gold-digging or highly entitled. Maybe it is and I’m just shocked about having a slightly smaller inheritance. But it genuinely feels like it’s not about the money, it’s about what it says about how he has never prioritised me ever, how I will never really have been at the forefront of my dad’s mind. Even his own flesh and blood takes second rank here and I don’t know how to really process how that makes me feel.

I don’t know whether to tell my dad how this makes me feel, or whether to keep silent. Or whether to take this as the signal that our relationship will never really mean that much to him and that I need to finally emotionally disengage from him.

I don’t know what I’m asking for here. Please be kind.

OP posts:
Roosch · 14/07/2025 08:48

Do most people not think this will is fair (if it is deceiving their shared assets)? I would have assumed this split. It is trickier as they each have different numbers of children but the principle seems correct.

So your fathers half goes equally to his children (3) and your stepmothers half goes equally to her children (1)?

You would also be inheriting from your other parent (however little that may be)?

Your stepmother sounds quite reasonable? She was nice to you and it sounds like your fathers life since marrying her was better?

Dutchhouse14 · 14/07/2025 08:52

I can understand why you feel the way you do, ultimately you wanted and needed more love and support than he was able or willing to give.
And his Will is an outward demonstration of this.
I am a bit confused however.
Is he leaving everything in the first instance to his wife?
With the understanding when she dies she will leave half to her daughter (which she probably sees as her half) and split the other half (your dad's half) between you and your siblings?
I can see his logic in this.
However the issue is is if he dies before your step mum then she can do whatever she likes with her will and amend it however she chooses.
Unless he leaves her a lifetime interest in his 50%, or similar, which protects it for you and siblings in some way once she dies, it may be worth trying to ask him this.
I think the split is coming from a her share/his share of the estate and them leaving their share to their children.
But it does show that they dont consider all of you their joint children and that you are a truly blended family but given what you've said perhaps that's no surprise?
I think perhaps that you may feel that it is mainly your dad's assets as she has not worked since they married but legally it is theirs jointly.
I would try and gently broach if your and your siblings inheritance is protected if he dies before her as if nothing legally in place she could change her will and leave it all to her daughter- or cut your sister out completely as they are estranged.

LadyQuackBeth · 14/07/2025 09:05

I think your dad is prioritising you, none of his half is going to his step daughter. It's possible she'd have preferred to have siblings to having her mum's share of the will to herself. Can you see it from her side - why should her mum's half be given to your dad's children, who were born before they even met?

The wealth they have as a couple should be shared. If she'd had 4 kids to your dad's 3, you'd be getting more than them - who'd be splitting 50% between the four of them. You wouldn't be getting more now if you'd lived with him.

Your feelings are valid but misplaced here. You are just seeing the estate as your dad's and ignoring his wife. Try to see the half as his only and it might feel better for you.

Liondoesntsleepatnight · 14/07/2025 09:06

As the mother of an only child if I remarried a man with DC then the split your DF has put in place is what I would also do. Two parents, 50% each side seems fair to me. Sorry that it hurts you, I think that you might need to reframe this as your assumption was wrong, now you know that you might, eventually get an inheritance of a few hundred grand.

I would try to press on as you are, men - older ones especially don’t really big conversations and famously don’t read a room well.

Finteq · 14/07/2025 09:47

Tiswa · 13/07/2025 23:51

@MyFunSloth I think that is it for you there was just one more chance for him to pick you and he didn’t .

You thought in the end it would all be OK and you could accept it.

But even his last act feels unfair to you. And this has stirred up feelings in you about your relationship. ( Personally I think the split is fair ).

I think some of the behaviours you have mentioned about your dad are unacceptable.

The way he has limited contact with his daughter. And not helping when she was accessing food banks.

He is not dad of the year. And I guess it's looking into how you can accept that.

The only other option would be to sit him down and force him to listen to your feelings- would you regret it if he passed away without having a talk to him about all things that have happened and your feelings. It's probably the only way you will get any closure.

But if you did decide to do this, you might find the relationship is severed. Only you can decide.

Finteq · 14/07/2025 09:48

Worried8263839 · 13/07/2025 23:53

What a load of nonsense, so if you live until you’re 80, it’s likely you’ll make it to 90? Rubbish

It more likely that a 70 year will live to 80, than a 10 year old.

That is normal statistics.

baileys6904 · 14/07/2025 10:02

Op, when my parents split up over 40 years ago, so maybe a similar time, my dad had to pay off my mother to be in for a chance for custody. Literally, had to bung her some money so she wouldn't turn up. Courts and officials just weren't for giving blokes rights over their kids back then, despite her being a flight risk and disappearing abroad. It was a different time and perhaps that had a huge bearing on what happened.

Also, you have 2 parents to inherit from, where's your step sibling just has one, by the sounds of it. You've benefitted from your mum and they would have seen that but I assume they accepted that as one of those things.

Don't confuse money for feelings

Whosenameisthis · 14/07/2025 10:03

Calliopespa · 14/07/2025 00:10

I agree. OP has made clear the SM hasn't brought a lot to the table financially. I think a per capita split is more than fair. On what basis should the SC get 50 percent of their step-parent's fortune? More fair would be for the new spouse to have a life interest in the home, maintenance provided for etc then it splits per capita. Stepchild is already getting more than they would have otherwise got - and the same as their ss. How can that be inequitable? The other approach lies at the heart of why step-parents can be seen as gold-diggers.

Ok so I should completely disinherit my stepchildren?

currently I have the same split as o/p’s dad. 50% to Dh’s children, 50% to mine.

however the house was mine before we met, I am the main earner. Dh’s wages are generally his own and cover his own spending, I pay bills and nearly everything else.

so considering he hasn’t “brought a lot to the table financially” it’s ok for me to just leave everything to my kids, and Dh’s kids get a share of his assets, which is a few grand.

you don’t know how much step mom has brought to the table. Yes she may have contributed less day to day, but many women with kids leave previous relationships with a house which the new husband moves into.

50:50 seems fair, then each child should get an inheritance from their other parent- dh signed his house over to his ex so his children would be housed, but this meant he could never afford to get back on the property ladder.

mumsnet is wierd with step kids. Step mums have to treat them like your own, even if then negatively affects your bio children, step dads have to cut them off completely in favour of biological children.

TorroFerney · 14/07/2025 10:47

Where you give the options for moving forward, I’d go with your second one which is a “match his energy”. You are flogging a dead horse trying to build this connection when he’s not bothered really.

id spend the time that frees up for you in doing some work on yourself (sorry I sound like a cheap rate influencer) working out what is driving you to do this and how you get peace with his ambivalence to you and don’t tie any of this into your self worth.

i had a completely disinterested dad, i was an only child though so not even like he had a different option to me!

alsohappenedoverhere · 14/07/2025 10:49

Why should you step mum leave anything to you. You are inheriting from your own mother.

Worried8263839 · 14/07/2025 10:53

Finteq · 14/07/2025 09:48

It more likely that a 70 year will live to 80, than a 10 year old.

That is normal statistics.

That’s not what that is saying though, it’s saying if you live until you’re 80 then you are likely to live until you are 90.

Chewbecca · 14/07/2025 10:55

As you rightly say, there are two entirely separate issues here.
Your Dad's parenting and the proposed allocation of assets in his will.

The first is an issue (& I am sorry you experienced that) and it sounds like you might benefit from counselling or talking more about it.
The second isn't an issue or unfair at all, it's not fair to describe it as a let down. He has has left his SC out of his wishes - that's the opposite of letting you down, it acknowledges he has 3 children & no more?

Whether or not this is a justified split, it feels like the latest in a long line of let-downs from my dad

OlderGlaswegianLivingInDevon · 14/07/2025 11:02

Surely if he dies first, he chooses to leave everything to his wife.

Upon her death it is up to her how she leaves whatever money / assets she has left, and she could choose to leave everything to her daughter.

Crazylizards · 14/07/2025 11:04

I've got a similar situation in a way, having been cut out of one parental will in favour of a sibling, and then sharing in another with a step sibling who has already burned through two substantial inheritances from his extended family. I know it's not about the money (although it also is about the money, isn't it, and I think it's OK to say that). It's alright to want some compensation for parental failure.

I also had one parent who was absolutely horrendous, and another who did nothing about it, and I'm also in a place now where I'm dealing with very difficult emotions about the so called 'safe' parent. I'm very angry and I'm finding having a relationship with them very hard. You can abuse your children by doing nothing, because sometimes doing nothing is abuse, but as children we're gaslit into believing that's not what's happening. Your father knew and he left you to it. He isn't a good parent.

If you can access it, you might find therapy helpful (especially if you can find someone who specialises in this sort of family trauma). It's not about fixing your relationship with your dad but more about finding a way through that gives you some peace. FWIW I've had to watch my 'safe' parent treat a step sibling far better than they treat me. I know how this feels. There's something very painful about knowing that they do know how to behave, just not with you. It's not personal but it's so hard not to take it personally.

Calliopespa · 14/07/2025 11:28

Whosenameisthis · 13/07/2025 22:24

But this is usual for blended families? I don’t see the issue?

working on the basis that assets belong to the couple 50:50, then each spouse has 50% to leave to whomever they choose.

dh will leave his share between his two kids, I will leave my share to mine. If we split it 3 ways my child gets 30% of an estate I have more than contributed half to, so dh will effectively get 70% of our marital assets.

like pp have said it only seems unfair as she only has one child. You are taking that child’s share- can you imagine how they’d feel if their mum gave 3/4 of their inheritance to you and your siblings? Would that mean she loves you more than them?

with respect, yabu. This is a normal split for remarried couples.

I think what actually seems unfair in op's situation is the SM hasn't contributed to the financial pot that is being split. Its all very well to say that she has contributed "to the family," but given op has had so little contact, I hardly think that's a reasonable contention.

So what are we left with? She's contributed to the dad's life?

Which is a real problem as its tantamount to putting the needs and happiness of the adults as a priority over the top of the needs of the children. And that is the crux of the issue in so many of these threads. Is that really where we are as a society? I think, sadly, the answer is yes,

ChiefCakeTestertoMaryBerry · 14/07/2025 11:50

My dad’s will has a similar set-up, I think. If he dies first, his half would go to his wife and she would continue to live in the house, and vice-versa. After their death, the estate will be divided in half. Half will go to his wife’s children and half to me and my sister. So I will inherit 25%, but if I had another sibling it would be a lower percentage.

His wife’s son sadly died of cancer recently so they have amended their will to leave what would have been his share to his widow.

Whosenameisthis · 14/07/2025 11:56

Calliopespa · 14/07/2025 11:28

I think what actually seems unfair in op's situation is the SM hasn't contributed to the financial pot that is being split. Its all very well to say that she has contributed "to the family," but given op has had so little contact, I hardly think that's a reasonable contention.

So what are we left with? She's contributed to the dad's life?

Which is a real problem as its tantamount to putting the needs and happiness of the adults as a priority over the top of the needs of the children. And that is the crux of the issue in so many of these threads. Is that really where we are as a society? I think, sadly, the answer is yes,

So any woman that doesn’t contribute financially to the family pot isn’t entitled to an inheritance?

so I can cut my stepchildren out of dh and mine will given most of the financial contribution was mine? Leave everything to my children? Dh’s children get nothing?

how do you think the stepchild will feel when they find out they’ve been completely cut out he mum and stepdad’s inheritance for their step siblings?

They’ve had a long marriage. She may not have worked but you don’t know if she had assets- the house may be hers from a previous marriage, she may have a decent nhs pension if she was a nurse. I only worked for the NHS for 10 years but I’ll get a reasonable sum at 60.

Calliopespa · 14/07/2025 12:07

Whosenameisthis · 14/07/2025 11:56

So any woman that doesn’t contribute financially to the family pot isn’t entitled to an inheritance?

so I can cut my stepchildren out of dh and mine will given most of the financial contribution was mine? Leave everything to my children? Dh’s children get nothing?

how do you think the stepchild will feel when they find out they’ve been completely cut out he mum and stepdad’s inheritance for their step siblings?

They’ve had a long marriage. She may not have worked but you don’t know if she had assets- the house may be hers from a previous marriage, she may have a decent nhs pension if she was a nurse. I only worked for the NHS for 10 years but I’ll get a reasonable sum at 60.

I think in the sort of situation op has outlined a per capita basis of inheritance is far more equitable than per stirpes.

ETA the difficulty is that blending families brings a lot more complication because of the variety of circumstances. I don't think a simple "that's just how it works" is always reasonable.

pikkumyy77 · 14/07/2025 12:16

Calliopespa · 14/07/2025 12:07

I think in the sort of situation op has outlined a per capita basis of inheritance is far more equitable than per stirpes.

ETA the difficulty is that blending families brings a lot more complication because of the variety of circumstances. I don't think a simple "that's just how it works" is always reasonable.

Edited

But you wouldn’t think that if the step mother had high assets, surely? She could have inherited wealth during the course of her 30 year marriage. Shouldn’t that wealth go to her child and not his?

Calliopespa · 14/07/2025 12:20

pikkumyy77 · 14/07/2025 12:16

But you wouldn’t think that if the step mother had high assets, surely? She could have inherited wealth during the course of her 30 year marriage. Shouldn’t that wealth go to her child and not his?

There was a thread recently where a high-wealth SM was asking if it was ok to give her dc benefits (theatre trips, new bikes etc) without extending these privileges to her SC.

The general opinion (including mine) was that at a day to day level and incorporated into the family lifestyle, that was cruel. However many of us still believed when it came to inheritance, that was a different matter altogether. I believe much of it was in trust for the children (from memory).

ETA in short, I think a child should not be disadvantaged because of their parent's decisions. If the parent wants to complicate the family situation, they can at least take steps to protect their dc from a financial pov, even if not always an emotional one. I think we take advantage of the vulnerability and powerlessness of children too often in society.

TheaBrandt1 · 14/07/2025 12:32

This is really difficult and my day job. Best way is to sit everyone down and work through it. You also need to factor in IHt allowances and the rights of the spouse. Not easy. Every family is different.

Supersimkin7 · 14/07/2025 13:00

I’m sick of these posters chanting it’s his money to do as he likes - it’s not DF’s right to be unfair, cruel or to hurt people he’s supposed to love and protect.

OP, I have every sympathy. Bottom line: he wasn’t really much of a father, and he won’t be after death, which is terribly sad. A lot of people do fail at parenting, and it’s sad for you, not them.

The saddest thing is I suspect you love him a great deal and secretly hope he’s going to come through for you as a father should. You have hoped for decades, haven’t you.

This is foul to type but…looks like it’s time to stop hoping. Parental betrayal is terrifying and primal - but he can’t do much worse now, so the world still stands.

Remember him as a man who did so well having you as a daughter.

MounjaroMounjaro · 14/07/2025 13:10

He's married so he's in a legal partnership. When he dies he's leaving his share to his children and his wife will leave her share to her child. I can't see what's wrong with that.

If I were him I would be treating my own children to things before I died. He's a tougher business person than I am, though. Maybe he thinks your sister shouldn't work for a charity if it makes her own family poor - I actually share that opinion - it's ludicrous that she's deliberately chosen a low-paid job in a charity which means she's then dependent upon charity herself.

Calliopespa · 14/07/2025 13:20

Supersimkin7 · 14/07/2025 13:00

I’m sick of these posters chanting it’s his money to do as he likes - it’s not DF’s right to be unfair, cruel or to hurt people he’s supposed to love and protect.

OP, I have every sympathy. Bottom line: he wasn’t really much of a father, and he won’t be after death, which is terribly sad. A lot of people do fail at parenting, and it’s sad for you, not them.

The saddest thing is I suspect you love him a great deal and secretly hope he’s going to come through for you as a father should. You have hoped for decades, haven’t you.

This is foul to type but…looks like it’s time to stop hoping. Parental betrayal is terrifying and primal - but he can’t do much worse now, so the world still stands.

Remember him as a man who did so well having you as a daughter.

I agree wholeheartedly with this.

We take on such a responsibility when we have children. Its totally appropriate that they should be our first priority. For a child to be let down by their parent is indeed a terrifying and primal betrayal; I agree with your choice of words entirely.

Family breakdowns are, sadly, a reality.. Provided the children are put first, there is no reason a blended family cannot be successful, but the problem is far too many people see it is a "right" of the parent and something the child just has to "suck up," rather than something that needs to be carefully handled with all the awkward complications addressed. There is no man and no orgasmic sex that would see me wanting my children to suffer substantively for me to pursue it.

OVienna · 14/07/2025 13:22

"Maybe he thinks your sister shouldn't work for a charity if it makes her own family poor - I actually share that opinion - it's ludicrous that she's deliberately chosen a low-paid job in a charity which means she's then dependent upon charity herself."

Yes, this. I can't see how the father is accountable for this decision. It's not the same as having an unanticipated personal crisis that he's ignored/bypassed.