Honestly, I don't think I'm in the wrong here, I'm more so looking for advice and outside opinions. Or maybe I am actually a terrible person and this will just be an eye opener, either way here's the info. My grandma is going to be leaving each grandchild $100,000 which was originally supposed to go to my mom and aunt but my grandma changed the will to spite them because their relationship is complicated. My mom was depending on that for retirement since for reasons I don't think I need to get into, but is related to my grandma, her and my dad's entire 401k was drained about 10 years ago. My dad works full time with constant overtime and my mom hasn't worked in over 15 years and only just applied for disability recently. Their stocks are nose diving but they'll be selling the house and downsizing later on and the house is worth roughly 350,000.

My mom says she'll give me 10,000 of it but honestly I want closer to 40,000. I have a fraction of what she wants to give me in savings and more would be life changing, I could even consider getting a house in the next couple years rather than wait till I'm 50. The thing is, this money will go directly to me, she doesn't get to intercept it so I could just take what I want and give them the rest. The problem with that is I love my parents and I want a good relationship with them and if I try to take more they'll likely hate me. My mom has done nothing but constantly guilt trip me leading up to this and on top of that my dad's name is on my car registration so they could take my car. If that happens I won't be talking to them anytime soon and I don't think they want that either so they probably won't try to take my car.

Maybe 10,000 is plenty and I'm just being greedy, my relationship with my parents is important to me but even double would completely change my life. I just want to hear what other people think, maybe that's a bad idea but I'm so lost right now.

Edit: ok wow this is a bit overwhelming, here's a bit more info for some more context. My grandma hasn't passed yet, but she's had a stroke and does not have the mental capacity to change the will. To the people calling us both vultures, are you crazy? Of course I'm trying to plan before the storm hits, I can't just hoarde the money and tell my mom I'll think about it, I need to have a plan now before my grandma dies and so my mom doesn't think I'm keeping all the money for me while I think. My grandma also didn't "loot" my parents 401k, they went to court because my grandma sued my mom. It's really complicated and even I don't know all the details so I left it out.

Edit 2: didn't think I left out that many details, sorry guys but this post wasn't made for validation, I don't even really agree with the whole take the money and run crowd. I was 9 when my grandma sued my mom, I don't know what happened. All I know is that my grandpa died in the middle of their divorce and he was going to leave my mom money, my grandma changed the will because she still had access to it and their relationship was terrible at the time and still is. I havent talked to my grandma since I was 11 since my mom wouldn't let me. My mom tried to take some things out of the house that my grandpa wanted her to have and my grandma sued her. My mom was held in contempt of court and lost everything in savings. That's genuinely all I know. I live states away from my parents and I'm in my 20s and they're in their 60s. I have a brother so they're already getting 90,000 from him. Also this is overwhelming as hell, please contain the wild reddit warrior attitudes, I didn't post this for funnsies and there are some wild comments on this post.

Edit 3: some people have brought up my mom's unemployment so let me elaborate on that a bit. She used to have her own business that made her over a million in salary, which is what she's told me. The court case was so traumatizing for her that she stopped working and quit her business. She was never a stay at home mom before this happened, both my parents worked and my mom was the bread winner.