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I asked one of them what she would do in retirement for money. Her answer was that she would be inheriting my money.

If she wasn't joking, you might want to share my story about inherited money.

The saddest day of my life was the day I had to tell my father that he would be out of money in about 8 months. He sobbed, saying "We thought we'd have $400,000 to leave you boys."

Well, they did have that much before they needed 24-hour care. Thanks to their financial resources and my availability for 60-80 hours a week we were able to provide that care in their home. But toward the end both my brother and I loaned him money so he didn't have to cash his last CD early.

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