His insurance company kicked him off getting any more of his last chance medication that could give him another one to five years of life, partly because of his own bad choices. My wife and I got a windfall inheritance from her side of the family, so we could use it to pay to keep him alive, but we have young adult children who so far still live with us and rely on us because of their autism. Anything we can save for them will keep them comfortable after we die, even if they continue to struggle becoming self-sufficient.
On the other hand, my brother lived the life he chose and is reaping what he sowed. It seems so wrong. Maybe my kids will be OK and learn to navigate the world without our extra money, while we know for sure my brother will die. An adviser will have experience talking through goals and desires and helping people to make the best plan. Even without the windfall, making a financial management plan for your children that takes into account the challenges they face is a good idea.
You should also talk to your brother. I have a girlfriend that helps me by driving me to out-of-town doctor appointments. She is disabled and on a small income. I have gifted her several items. Recently, I got her a TV for her bedroom. A week passed and I asked what she did with the smaller one I gave her.
Now, I want to say to her that my gift-giving days are over. Should I say something? Petulantly withholding future gifts reflects poorly on you.
Especially considering she gives of her time and resources by helping you with rides. Instead, try telling her that you had hoped the TV would make her happier, but you understand. Ask if, in the future β say for birthdays or holidays β a gift card or cash would go further. Consequently, I will be cremated and have my ashes split and buried in both graves. Send questions to R.
