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Our dad died and cut my sister out of his $3 million estate — now she won’t talk to me. Should I just give her some cash?

A growing number of older Americans are planning an unequal inheritance for their kids. Unfortunately, this can create serious conflict.

“When a parent disinherits one child, the surviving sibling often becomes the target of the hurt, even when the sibling had no role in the decision,” Lisa McCurdy, founder and managing partner of The Wealth Counselor, LLC, told Moneywise. “Grief and rejection need somewhere to go, and a sibling is easier to confront than a parent who is no longer there to answer for it.”

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The big question is, what should happen in these situations? For example, let’s say Matilda inherited $3 million from her father, Pat, but her sister Larissa was left out of the will. Larissa blames Matilda and will no longer speak to her. Now, Matilda is wondering if she should just give Larissa some money to level the playing field and get their relationship back on track.

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Unfortunately, there’s no guarantee that this would solve the problem, and it’s probably not the best idea.

Sharing the money may not solve the issue

Since Larissa is mad about not getting money, it may seem like a no-brainer for Matilda to just give her some. But in reality, things often aren’t that simple.

“I would not automatically assume that providing money is a solution to this problem,” Samantha Ridout, a board-certified behavior analyst at Alpaca Health, told Moneywise. “Providing money may be able to provide a financial balance for some time but will do nothing to address the underlying emotional separation.”

Santiago Delboy, a psychotherapist and founder of Fermata Psychotherapy, agrees, telling Moneywise, “sharing an inheritance may be part of a fair resolution, but it can’t guarantee reconciliation. The negative feelings your sister holds might continue even if you share the money.”

Delboy warned that Larissa could still be upset because “the situation conveys favoritism that might taint the relationship.”

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An understanding of underlying issues could help

Since emotions may play a role here, Matilda may want to look at the big picture to better understand and respond to Larissa’s concerns.

“Perhaps Larissa assumes ulterior motives or a sinister plot, so it could be important to clear that air directly, but it seems unlikely that her conflict truly involves you, as opposed to the person who made inheritance decisions,” Dr. Larry Schooler, an assistant professor of practice at the University of Texas at Austin’s Moody College of Communication, told Moneywise.

However, Schooler explained that “even if the conflict lies with the deceased and your sister, her reaction could speak to deeper issues in your relationship that are worth exploring.”

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He recommended that Matilda take a close look at “why an inheritance decision made by someone else has led to Larissa cutting you off,” and suggested other factors might be in play, such as a lifetime of preferential treatment for Matilda over Larissa.

Delboy suggested that Matilda make “one respectful opening for contact,” and ask Larissa to talk. “If she agrees, be curious about her experience and what the situation means to her. Ask whether she holds any feelings about anything you may have done. Try to remain as non-defensive as possible. Try to understand her answer before explaining your intentions.”

Giving money is an option, but time could also heal all wounds

While sharing an inheritance alone may not fix things, it could potentially be helpful as part of a broader effort at reconciliation. Matilda must feel comfortable with that choice and also shouldn’t assume that just writing a check will mean all is well.

“Be honest with yourself about whether your offer carries an unspoken expectation of forgiveness or moving on,” Delboy said, explaining that having these expectations could “create an unequal relationship in which you become entitled to dictate what the other can feel.”

However, if Matilda is “willing to share in some way with [her] sister, that decision needs to come from [Matilda’s] own personal value system and not because you feel guilty or pressured,” said Ridout.

By having an open conversation — and coming ready to listen, and perhaps even give money — Matilda can hopefully make sure the inheritance doesn’t come between the sisters and tear the family apart over the long term, even if there is some short-term conflict to get through.

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Christy Bieber Freelance Writer

Christy Bieber has 15 years of experience as a personal finance and legal writer. She has written for many publications including Forbes, Kilplinger, CNN, WSJ, Credit Karma, Insurify and more.

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