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donnab100, marry a rich man.

Suppose that $200,000 grows at 15% and the house on the water grows at 10%. So you have $532,000 from the inheritance and the beach house is $390,000, in 7 years. But your $332,000 gain will be hit with 20% capital gains tax, leaving you with $265,600 profit, so you are on the beach with a house, a view, and $75,600.

Now, suppose you get the H out in those 7 years and you are 55. I don't know what the actuarial rules are for your pension, but let's suppose that at age 55 you get 75% of what you would at 65. This is typically 60% of your final income, and let's suppose you max out on your years of service multiplier.

So $40,000 x 0.6 x 0.75 = $18,000.

Even if my assumptions are way out of whack, I can't turn your "sow's ear" (actually a darn decent sum of money) into the silk purse you wish.

Sometimes arithmetic is no fun.
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