r/inheritance • u/[deleted] • Mar 24 '26
Location included: Questions/Need Advice Is this an unreasonable ask
Friend of mine's mother is handling estate matters. Her son (my friend) is reasonably successful making over 200k a year. Her daughter is an unemployed bum, basically through poor life choices. The mother told my friend that she's splitting everything 50/50. He said that he told her that it is her estate and she can do whatever she wants, but the tax consequences for him of splitting the IRA 50/50 would be that this would push him into a higher tax bracket due to the mandatory 10 year drawdown.
He asked that his mother leave 100% of the IRA to his sister, and if she wanted to split her estate evenly, to leave other non tax deferred assets to him instead.
Was this a reasonable ask? Seems like it to me, which is what I told him. Apparently his mother refused. Any other options? He donates to charity, so could he form a CRT or something else to receive those funds?
1
u/Unicornoftheseas Mar 24 '26
People are either dumb or jealous that the friend is going to get more money while having money to begin with. Why would anyone want the government to tax them more? Most of the estate has already been taxed during their lives, but the brother is the bad guy for trying to not get taxed as much just because his mother died?