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I hope this doesn't sound terrible, but I am expecting an inheritance this year when my grandmother passes.

As long as you don't hang your hat on it, it doesn't sound terrible. Don't hold it against her if she changes her will at the last sound-minded moment and gives the whole wad to Greenpeace or something. After all, it's her money, not yours.

I have the benefit of having two childless stepmothers (no children of their own, I mean) who did well in real estate, and I catch myself all the time (well, more than twice a year) wondering how much they're going to leave to my sister and me. They're probably going to live another 20-30 years, which is plenty of time to blow it all on bon-bons and Caribbean cruises, and they're entitled. I shouldn't even use the phrase "blow it all" because again, it's their money. Interesting question, the psychology of inheritance.

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