How Do I Get My Four Elderly Siblings to Sell Our Family Home?
This is such a "first world problem" that I'm very embarrassed to even mention it. Please try to not rage at me because of the strange rarity of this problem.
I know that many people, understandably, have no patience at all for "poor little (now very old) rich kids" and their problems. These are problems that most people would be delighted to have. None the less, how to manage this wisely and with maturity has become a very emotionally painful dilemma.
I (72 F) have four siblings (Sister 1/74, Brother 1/69, Sister 2/67 and Brother 2/ 64 from whom I've become alienated over a shared summer home. I'll call them S1, B1, S2 and B2.
Yeah, life is rough. But it's going to be a serious legal, financial and emotional problem if we can't resolve this and it's causing me a lot of distress.
I'd like to try to deal with this cheerfully and with a focus of gratitude for what we've enjoyed all these years, but my feelings are deeply hurt and I don't even know how to talk to them.
The property is an example of impractical "glamping". It's a large house, designed by our father, who was an architect for 20 years, and has basically two large rooms, one living room upstairs and one kitchen downstairs, plus a tiny "sick room" in case someone is too unwell to sleep outside in tents.
Our father's vision was that we'd sleep in tents in the woods and the house would be for shelter at night and during bad weather, for cooking, laundry and for bathing.
This was for a family of seven, plus the "helpers", or au pairs, that our parents would hire to drive us around and help with food shopping and other child care as the family got larger.
Eventually our parents divorced after about 30 years because of our father's heavy drinking, womanizing, disrespect for our mother and inability to hold a job. The divorce didn't stop him from relying on his trust-fund children to support him when he got older.
All of us are very attached to the place, despite the uneven contributions and sharing. Despite our parents' problems, they gave us a very special childhood experience there and we're all aware of the exceptional privilege.
But now we're old, not all in great shape physically and also, not in all good shape financially. The sensible thing to do is to sell the place.
I and B2 stopped going to the property years ago - it's far from where I live and B2 doesn't get along with B1, who is a smoker, a night-owl who spends all night in the house until about 6 a.m., when he goes to sleep in a tent, and is rude and uncomfortable to be around. When we enter the house in the early morning after he's gone to bed, it reeks of cigarette smoke.
B1 supported the property alone for years, and stayed there from June 21 to Sept. 15 like clockwork, for decades, with small financial contributions from S2. B2 stopped supporting the place many years ago, and also hasn't gone there.
I supported the property for years by sending B1 money every month, which he used for the maintenance of the place, including taxes and insurance. He still had to spend a lot of his own money to spend summers there and gloried in entertaining his friends there, which he's done for many decades. He's deeply identified with the place.
With prudent living and without being extravagant, we've been able to live without working until recently, when the source of our unearned income mostly disappeared. The exception was S1, who has gone bankrupt twice, due to frivolous overspending.
But trust fund recipients tend to not plan, because money always comes in without working. So S1, B1 and S2 haven't worked much and now they're living on very low incomes.
Our mother slowly deeded it to us in equal shares over many years to avoid paying gift taxes. Before she did so, she asked S1 whether or not she wanted to be a part owner, and S1 sensibly said no.
Since then, S1 has gone bankrupt again, this time for a much greater debt than the first time. All S1 learned from her first bankruptcy was that she could rack up credit card debt and get home equity loans, spend hundreds of thousands on cars, clothing, restaurant food, home improvements her stay-at-home husband's whims and not pay have to pay it back.
For his entire life, B1 has only ever gone to this summer house (it's not winterized, so because it's in a climate with cold winters, it's only usable about three months of the year).
B1 has no health insurance and recently lost his home owner's insurance because his home is becoming dilapidated.
He hasn't been able to keep up with the necessary repairs and he heats with a wood stove, which insurance companies don't like. So they cut him off, even though he's never made a claim in about 40 years.
He has become a handy man, but his technical and social skills are limited. He sells a few things online, but is very low income, maybe less than $20,000 a year.
S2 is a bonafide cat lady who at the moment has "only" ten cats. At times in the past she's had up to about 30. She does take care of them when they need medical attention, although one time she was so slow to treat a cat's eye infection that it lost that eye.
S2 spends about four hours a day doing cat chores and has also been a heavy drinker for decades. She's not very social and I've gotten one call from her in the last six years and that was about a cat problem. She spends about 9 days a year at the summer house.
Her partner was earning money until recently, but he's now 75 and has been doing manual labor. He's had surgery for carpal tunnel, is very overweight and has been told to stop drinking because he has liver damage. I don't know how much longer he can work. He's a veteran, so he has basic health care.
I and B2 have wanted to sell the property. I'm okay financially at the moment, due to a combination of work, savings, investments and also inheritance.
But I'm deeply concerned about B1 and S2, who live on very low incomes, are now old, unskilled and have minimal savings. S2 has some stock she can and does sell, but with the current volatile economic situation, her (and all of our) Social Security at risk, Medicare at risk and the cost of living is sky-rocketing, I think she doesn't want to see how precarious her living situation is.
About six years ago, I raised the subject of selling the property. At first, B1 said he "would not be bereft" if we sold it. But then I, he and S2 both contributed about $35,000 to support the property for a couple of years longer.
S2 said her time line for selling was between 2025-2027. She also said that she doesn't want to talk to me about selling. S1 advised her that she doesn't have to talk to me.
They both have a lot of resentment toward me, even though I've been as supportive financially, emotionally and physically of both of them as I know how to be. S1 told me that S2 "needs the summer house".
I think that the reason that S1 has gone bankrupt twice is because she doesn't bother to distinguish "needs" from "wants". No one NEEDS a summer house - not ever the super-rich, which we aren't.
This lead to my feeling so hurt and angered at being excluded from talking about our family home, that I went very low contact with her for the past six years.
Now she's asking me and B2 to extend the time line for selling and to contribute as well.
Neither B2 nor I wants to do that.
This is so emotional that I don't even know how to talk in a mature, respectful way about it. I'm holding on to a lot of rage about being excluded from even talking about this. I'm aghast that S2 sees no reason in B1's poverty-line living situation as not being a very important reason to sell.
Has anyone else figured out how to resolve shared property disputes with family and come through it with intact, respectful relationships? If so, I'd love to hear how you accomplished this!
TL;DR