“No dice. Died at 73. She was screwed as were heirs.”
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Since when do people making financial decisions that seem best for their needs have to worry about their heirs?
It was her decision and her money.
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“It was her decision and her money.”
Of course it was. I was just pointing out some of the practical effects of these decisions. If you don’t give a shit about your kids or anyone else..especially if “you don’t need it”...then that greatly simplifies things. My mother in law was not that way in any respect but just didn’t see the ramifications.