My dad died suddenly, though not unexpectedly, last month. I've posted here about him while he was alive but the recap he had cancer twice over a period of years, and eventually about 6 months ago started being hospitalised repeatedly with lung infections and sepsis, ultimately suddenly passing from pneumonia whilst in recovery from sepsis. My mom has life limiting leukemia. We're a small family and I have one sister who lives maybe 15 miles away.
I moved home from abroad a few years ago when my dad's health started to decline as my sister wasn't really useful and my mom was finding it tough. He never became terribly dependant on me or my mom really (compared to other posts I read here) but things were tough for him. He'd always been the strong I-can-fix-anything dad and gradually his body stopped co-operating. My sister wouldn't be the kind to visit or help out much at all, even when he was at his sickest. That was her decision and she's entitled to make it. Neither her nor her husband work and they have a lot of free time, but for reasons known to them they elected not to spend it visiting or helping either of my parents, even when I moved back overseas about a month before my dad died and my parents were back to being just the two of them at the house. I came back (again!) when my dad was taken into ICU a few days after I left, and I let my job go as I couldn't say for sure when I would make it back. So I'm staying at my parents' house temporarily whilst I job hunt, and helping my mom wade through the swathes of paperwork that go along with someone dying.
As if by magic, now that my dad is gone my sister and her husband are all over my mom like a rash. Constantly showing up at her house (wouldn't see them from one end of the week to the next before), wanting to go through my dad's things, talking about his finances etc. My mom says it's because they're hoping for a cut of my dad's life insurance (he co-signed on their mortgage and seeing as they choose not to work they can barely make their payments). What my mom does with her money is entirely up to her, but my heart is aching and my blood is boiling for all the times my dad needed their help and they wouldn't come, and when he wanted her to visit but she chose not to.
I know that this is my issue to work through, I couldn't make her help when he was alive and I managed to let that go at the time. I don't think it's guilt on her part that's led to this 180 change in character (I'd be inclined to agree with my mom's assertion!) and the rage is making me go bananas. I'm reluctant to leave as my mom's taken my dad's death very hard (she already suffers from depression) and I would worry about her being alone, but the compulsion to let go at my sister is growing! Help!
Some parents are parents in name only. Take care of yourself.
True statement, but the fact of the matter is that mom is also very vulnerable to undue influence by a greedy sibling that is obviously financially exploiting her. So yes, mom's assets are hers and she is human, true, but she can be easily conned and manipulated by a cunning child that has private 24/7 access to her and holds her very life in her hands. Your answer is way too simplistic in my view.
Glasker i think you should hop on the first plane back from whence you came and let the chips fall where they may. You claim not to care about what Mom does with her money so let her give it all to your sister, then sis can deal when Medicaid comes calling because mom needs nursing home care which sis probably wont be able to provide. So both houses will have to be sold to cover that $7000 a month mom needs for a decent N/H. The IRS will also be notified by the bank if mom makes a large transfer so sis has to declare it on her Taxes. That is probably why Dad guaranteed the mortgage rather than buy the house outright. mom can only give away I believe it is now $13000.00 a year to an individual as a gift and if it is given less than 5 years before a Medicaid application she will be refused. it's a pretty mess she is getting into but she does have legal advice and you have no power only frustration so get packing. Does not mean you can never some back, but it has been made clear by Mom you are not wanted for the time being. She is your Mom and you love her but you also know her behaviour.
So you sister is likely to be kicked out on her bum. Guess that means she and bil will move in with mom? That will be a fine kettle of fish. Sorry! I'll stop being annoying now. Well, I can't really promise that......
Yes, I would assume my sister would ask my mom to bail her out and my mom would. When my mom spoke with her lawyer it was very much to ensure that the bank would not/could not pursue my mom and potentially take her home. The attorney advised my mom that the bank would force a sale of my sister's home to clear the mortgage before pursuing any guarantors and, as there is equity in my sister's home, the proceeds of the sale would cover the mortgage.
Glasker: This is probably my ignorance showing yet again..but if the lawyer contends, and is successful, that the mortgage is not your father's responsibility, then the bank will go after your sister, right? If that happens, won't she still go to your mother for help in that regard? i.e. still going to use Dad's money? (and if eating babies is an English thing, I don't want to know about it) lol :) I don't mean to diminish anything here, but your sister and mom sound absolutely ridiculous.
With regard to mom's illness she won't discuss it. Thankfully she's in good health at the moment. The median survival range is 4 years but some live much longer, some don't. She lives a short distance from a great hospital and is under the care of an excellent oncology team.
Mom has been trying to give us both money, not huge amounts but she'll randomly pull out a wad of cash and try and give it to me, most recently as an Easter 'gift'. I told her I didn't want her money and besides, people don't really give gifts on Easter anyway. She told me my sister had already taken it (course she did) so I needed to have it too so that things would be fair. I didn't accept it.
Mom can't see that I have her interests at heart and that my sister has her own interests. My being here is in a way upsetting my mom and to be honest it's crushing me emotionally to stay and listen to the way my sister is manipulating my mom and how my mom speaks about me when I try and get her to take a step back and look at things. Sis has also convinced mom to start clearing out my Dad's stuff - I said maybe she should put it out of sight for a little bit before making any decisions but no, sis has said it's a good idea.
Legally here I can't intervene in the administration of the estate (i.e. engage with my mom's attorney) so all I can do is hope that she retains some sense of what my sister is really up to and keeps her wits about her.
I do think you should protect yourself. But I'm also looking back there at life-limiting leukaemia (how long has she had it? Do you know what sort?), and the whole family's bereavement, and your mother's clear, lifelong dependence on someone else making the key decisions and possibly resentment of it (she's bitching about you now, but I bet she used to about your dad when he got in her way), and… all I can say is if it were me I wouldn't leave. How far away will you be?
You know, don't you, that this new-found best-buddy thing with your sister will last no longer than the average prawn sandwich?
Nothing should leave that house. It would be disrespectful to mom to take anything until she decides to part with it. Nor should she give money away, trying to relieve grief with generosity. She may need that later for her own care and comfort.
Also talk to the lawyer handling the estate about the mortgage your dad signed for. In a worst case scenario, the lender could come after his estate. Don't guess it will be OK, get a good legal opinion.
My sister now seems to be pulling the strings, saying she feels uncomfortable bringing the baby to see my mom because I'm here and I'm aware that it's only my mom's goodwill that is allowing me to have a roof over my head right now! Orchestrating my move home is going to take a few weeks, my shipping container just arrived this week and now I have to turn it around and send it right back.
Mom's depression means she really does question her own actions a lot of the time and in turn takes anyone else questionning her actions/abilities very personally - not in a good way! She is in reasonable health and is functioning as well as can be expected. I did mention to her the other day as some suggested here that what's left in the bank isn't an endless supply and she should start planning a litte - she said she'll be just fine and she knows exactly to handle herself financially. Trying to buy my sister's attention is obviously a sound investment, especially as I am now apparently the money-grabber in all this.
Just on the topic of the mortgage as I know a couple of people asked - my mom's attorney advised her to do nothing for now and in the event the debt is called in from the estate he plans to mount a challenge to the validity of the guarantee as it was signed without legal advice and under duress. Again I wasn't there so I don't know what went on, but that's how the attorney plans to handle it.
There's a but (you knew there'd be a but, didn't you?!). The thing is, your mother is at some risk of making a proper Horlicks of things, as we say in polite company round here; and although it doesn't make you popular to stand in her way it does make you right.
By all means move out and create some distance, but don't leave her to her own devices completely. Ok, it won't be *your* fault if she manages to bankrupt herself, or gets horribly scammed, or gets her heart broken; but you are in a position to point out the pitfalls even if she doesn't like to hear about them.
Even as a parting shot, you might consider doing her a budget and a financial plan, and include perhaps the names and contact details of people whose advice she needs before she makes any irrevocable or expensive decisions. It's good that she's financially comfortable; it's great that she can take her (let's not add any adjectives) daughter on vacation; all you're trying to do is stop her being an idiot.
And for your own sake, remember that water passes under the bridge and how you feel now, very sore, is not how you'll feel forever. Your mother needs at least one responsible child in her life. Take care of yourself, but don't give up on her. Best of luck, hugs to you.
My mom and sister are best friends now, united in their disdain for me. My sister gets to be the fun kid, breeze in and out for coffee, lunch etc. but never has to have the tough conversations with my mom about my Dad's health or her own, or the serious business or sorting things out that my mom needs to have resolved. My sister just sails around and goes on the free vacations, so from my mom's perspective I'm the one causing all the problems. My sister has no problem at all with my mom, why would she? Her relationship with my mom is one where she takes, so she's got nothing to complain about.
Last night my sister called my mom and I heard it all, my mom lamenting to my sister how awful I am, how awful it is having me here in her home, how my sister is right that I've totally changed since my Dad died and it's all about money, how I'm not normal, how my mom has plenty of money to spoil my sister if she likes (presumably in response to my sister acting like she feels bad taking her money) etc. etc. I could go on but you know where it's going.
So the decision is now made! I have to say I didn't think things would go bad quite this fast, but I guess now all the paperwork is done and the administrative stuff is pretty much taken care of I've outstayed my welcome. It's been a difficult life lesson for me, and one that I probably would have seen coming sooner if grief wasn't what it is.
Your sister seems to have the same power over your mother that my sister has over mine. I have had a hard time facing the fact that all children are not loved equally and just because you are a good, moral person and are successful in life, and doing all the work in caring for your parents, doesn't mean you will ever get any approval or respect from your parent(s) if you are not the favorite. That's just how it is, I've learned. Sad but true. So don't keep beating your head against the wall - try to see and accept reality and live your life accordingly. Your mom obviously favors your sister for some unknown reason, so let them work it out and you can go live your own life. Tell her you have a big vacation planned!!
Yes, let go, and let your mother and sister sort things out. Most of the time, our consequences have to bite us in the ass in order for us to learn--that's true for everyone. You don't necessarily have to 'fly off into the sunset' forever! You can decide how much involvement, if any, you choose to have. Whatever is best for you is what you should do.