A woman turned to Reddit after her boyfriend tried any and all ways to get his hands on the hefty inheritance her grandfather left her. What should she do?
A Life-Changing Inheritance
OP (Original Poster) recently received a whopping $4,000,000 as her inheritance when her grandfather passed away a couple of months ago.
Unaware of His Wealth
She said she never expected that her grandfather had that kind of money, nor would it go to her. OP mentioned she had always expected her grandfather’s estate to go to her mom.
Changing Her Lifestyle
Once she overcame the initial shock, she took steps to change her life. She said, “I took the opportunity to finally quit my job—which I really hated.”
OP also said, “I don’t have any outstanding debts and can easily live off of $40,000 a year.”
She also mentioned that she was pretty introverted. Because of this, she was “more than happy” to stay at home and work on her other interests, like art, music, and gaming.
Here Comes Her Entitled Boyfriend
Her boyfriend knew about her inheritance, and ever since he found out about it, he has been pressuring OP to “cover all of the rent and utilities,” which ran to about $1,200 monthly for their apartment.
OP’s boyfriend also wanted her to put the money into a “joint savings fund.”
We’re Not Even Married!
OP is hesitant to do so because they’re not even married.
She said, “I would be happy to do this if we were married, but we’re not.”
OP and her boyfriend have only been dating for a year and a half. Because of this, she preferred to “keep their finances separate.”
Doing Her Part
She’s not working anymore. Even so, she still pays her part of the rent every month.
OP had also hired a housekeeper to come several times a week to keep their place clean. She shared, “Our apartment is nearly always spotless and looks great.”
Conflicts With Her Partner
She told her boyfriend he was “not entitled” to her money. Then, her boyfriend replied that she was “selfish for expecting him to still contribute to the rent when she could easily afford to pay for the whole thing.”
Redditors’ Two Cents
People said that OP’s not doing anything wrong, especially since they aren’t married.
A top commenter wrote, “Not the a**hole, as you’re not married. I’d be very wary of marrying him, though, at this stage, if this is his instant reaction to your finances.” Another replied that she should get a prenup if they ever get married.
Secure Your Own Finances
Redditors generally agree with one another, stating that a prenup is a must.
“A prenup is a good way to ensure that anything you brought into marriage beforehand will stay yours if you were to end up divorcing. It, like, ensures it won’t be split,” one shared.
Put It in a Trust
Apart from advising her to have a prenup in the future, Redditors also suggested to OP that the best way to secure her money was to put it in a trust!
A Redditor explained, “With that kind of money in the bank, you desperately need to see an estate planning lawyer and get documented how your funds can be handled and protect against predatory ‘friends’ and family. You don’t say how old you are, but if you genuinely think you can live off the income alone, you may want to look into establishing some kind of trust that locks away the principal and pays out an income. You can set up rules with the trust on what sorts of expenses it will pay out additional funds for—e.g., education expenses if you decide to go back to college, medical expenses, and money to buy a primary residence.”
The community also wanted OP to be careful and wary about her boyfriend.
One said, “I would be very worried about a boyfriend who simply expects you to start covering all costs because you had a windfall. Prior to the inheritance, who earned the most? If it was him, did he expect to pay a greater-than-equal share? If yes, that at least shows a consistent expectation. If not, he is just trying to take advantage of you.”
What would you tell OP? What would you do if you were in her shoes?
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This post first appeared as She Refused to Give Her Boyfriend a Cent of the $4,000,000 Inheritance Her Grandfather Left Her, Even When He Tried Manipulating Her. He Told Her She Was “Selfish!” on Quote Ambition.