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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]He is right, it is her money and not her mom.  You should be thanking both of them, especially her.  Personally I'd never take a loan from family nor would I agree to something I cannot afford.  [/quote]

I inherited money from my mom.  She left it to me, not to DH and me.  It is my money, not our money.[/quote]l

Wow. Just, wow.[/quote]
Why?
I wish I had $$$$ of my own to spend as I please. I would have sent our kids to private schools in colleges. As it stands, they are destined for public colleges (which are great in VA, but I wish they didn't have to be so constrained in their choice).
I would also have helped out my sibling or at least opened an account for their kid's education. If I wanted to do this now, my spouse would argue and try to prevent me from doing that.[/quote]

PP who inherited money here.  That is exactly my approach.  I am not a spendthrift, but from time to time stuff happens and I want to spend money on it without needing to be in sync with DH.  The private college example is a good one, because without my mom's money, we can afford in-state MD public schools (plus a little more), but not private ones.  If we can pull it off by me dipping into my mom's money, that would be great.

Beyond that, I have seen a couple of ugly divorce situations with my sister and a friend, sufficient to make me want to have my own resources beyond our joint ones.  (I do work and in fact, make most of the HHI.)  I don't think our marriage will end, but who does?  My mom worked very hard for this money - I'm going to be as careful with it as she was.[/quote]

Inherited money is also not considered part of joint assets unless it is commingled.  I also inherited a decent sized property in another state and I love my DH to the ends of the earth, but...I still just keep that asset managed separately.  Because you never do know if he's going to run off with some pretty young thing and I will always have that place I can live, and/or sell and pay for my kids' college.  I absolutely do not ever expect that to happen but it is nice to know I've got a safety net if it does.[/quote]

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