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Reply to "Husband is dying - no life insurance or savings, I’m a SAHM"
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[quote=Anonymous]OP, if you are a teacher, summer is a great time to pick up tutoring work. Much of it is online that you can do from home, or some people will bring their kids to your house, and you can tutor at your kitchen table while your kids watch a video. Tutoring rates are crazy high -- I was paying between $40 and $100 hour for a teacher-tutor. And some people will pay under table. Your kids will also likely be eligible for Social Security payments after their father dies, if he had a work history before his illness. (You can probably get an estimate from the SSA.) Good luck - -I feel so awful for you. I had a sibling whose spouse also wracked up awful debts before a divorce, and they ended up having to file for bankruptcy, becuase it happened at the same time as the real estate market crash, so they were suddenly under water on the house. I agree you need more specialized help, but if you can sell one car, I might use that to pay down the HELOC. Those often have really high rates (especially if it's adjustable -- it might go up soon), and your name is on the house. I think if you own the house in joint tenancy, it will go 100% to you on his death, so I *think* his creditors can't come after the house. I would not at all worry about college at this point -- your kids are young and you have bigger fish to fry. [/quote]
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