Over the years, I have met with more than a few people that were not planning on saving for their retirement because they knew they were going to inherit money from their parents.
I have cautioned these people not to count on this; my caution has been proven to be valid as the years have passed.
Our parents are living longer, but not necessarily healthier. My father-in-law went through about $75,000/year for home health and in hospital care; this lasted for 3 years before he passed. His wife has been in an assisted living facility for the past 2 years – her care is now being paid by Medicaid because there is nothing left. These situations are becoming more and more common.
Prepare for your own retirement – if you inherit, consider it gravy.

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