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A Grieving Widow Comes Into a Sudden Financial Windfall Which Helps Her Cope With the Loss, But as Debts Mount Her Daughter’s College Fund Hangs in Limbo.

When a widow finds herself grappling with the unexpected realities of sudden wealth, she is forced to make tough financial decisions that jeopardize her daughter’s future. As her dream beachfront home threatens to slip away and her finances diminish, she drains her daughter’s college fund, leading to bitter confrontation and an uncertain future.

The Loss of a Love

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The Original Poster (OP) lost her beloved husband and, with him, the financial security he provided. She was left to navigate life as a single mother to their 16-year-old daughter.

A Generous Bequeath

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The OP’s husband, a successful doctor and investor, left his entire fortune to her, totaling over seven figures. “My late husband left me everything and told me to trust his lawyer,” she recollected.

The Decision to Move

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Deciding to take a step forward, OP sold their old home and moved to Malibu, fulfilling a long-standing dream of living by the beach. But her late husband’s lawyer was vehemently against it, causing a rift in their relationship.

A New Home, A New Beginning

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They found a beautiful seaside home, but OP was inexperienced in property dealings and didn’t expect the extra costs involved. The purchase strained her finances, but she proceeded for her and her daughter’s happiness.

Cutting Off the Counsel

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With the lawyer’s fury at her decision, OP decided to stop taking his calls. She instead signed with a money manager who promised lucrative passive income – “passively earning 90 percent of what surgeons earned per year.”

The Fall of Finances

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Despite the promises, the money manager squandered a significant portion of her wealth through poor investments. OP tried to salvage the situation by making her own investments, but this did not prove to be a successful strategy.

The Crumbling Reality

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Now, with only $35k left and debts looming, the OP faced the harsh reality of her financial predicament. She could only afford one more month of mortgage payments before she would be left broke.

The Daughter’s Fund

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However, there was one remaining asset – a significant fund her late husband had set up for their daughter. With this money, OP saw a chance to pay off their debts and keep their home.

The Difficult Decision

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The OP made the difficult choice of liquidating her daughter’s college fund. She hoped to keep their financial situation afloat and to keep their dream home from slipping away.

The Harsh Confrontation

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When she informed her daughter about the decision, the young girl was furious. “She cannot believe all her dad’s work is gone,” the OP remembered her words.

The Bitter Realization

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OP realized that her decisions had not only resulted in financial ruin but also strained her relationship with her daughter. The girl also made it clear that she would not support OP in her retirement.

A Plea for Understanding

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In the end, OP was left questioning her actions, seeking validation and understanding for her attempts to rectify her mistakes. “Am I an A** for trying to fix my mistakes and trying to keep our house?” she asked.

The Unforeseen Consequences

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The story demonstrated that even with the best of intentions, unforeseen consequences could arise. OP had only wanted to maintain the lifestyle she and her daughter were accustomed to but ended up risking their financial future. With her finances dwindling and her daughter’s anger lingering, OP faced an uncertain future. The prospect of losing their home and her daughter’s respect weighed heavily on her.

Was The Woman’s Behavior Appropriate?

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The readers in the forum had a lot of mixed views on the matter. Here are some of their responses:

Forum Responded

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One reader said, “You decided not to listen to the lawyer, you decided to move to an extremely expensive place, and you decided to trust someone’s shady advice.”

Another Viewpoint

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Another responder wrote: “You robbed your daughter of a chance to start her life off comfortably and took money that was never intended for you.”

A Different Perspective

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A different person states, “I’m sure your husband is rolling in his grave about how much you have royally messed up. And then you go and mess with your daughter’s education fund?”

What Do You Think?

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What are your thoughts on their actions?

What would you have done in this situation?

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Josh Dudick

Josh is a financial expert with over 15 years of experience on Wall Street as a senior market strategist and trader. His career has spanned from working on the New York Stock Exchange floor to investment management and portfolio trading at Citibank, Chicago Trading Company, and Flow Traders.

Josh graduated from Cornell University with a degree from the Dyson School of Applied Economics & Management at the SC Johnson College of Business. He has held multiple professional licenses during his career, including FINRA Series 3, 7, 24, 55, Nasdaq OMX, Xetra & Eurex (German), and SIX (Swiss) trading licenses. Josh served as a senior trader and strategist, business partner, and head of futures in his former roles on Wall Street.

Josh's work and authoritative advice have appeared in major publications like Nasdaq, Forbes, The Sun, Yahoo! Finance, CBS News, Fortune, The Street, MSN Money, and Go Banking Rates. Josh currently holds areas of expertise in investing, wealth management, capital markets, taxes, real estate, cryptocurrencies, and personal finance.

Josh currently runs a wealth management business and investment firm. Additionally, he is the founder and CEO of Top Dollar, where he teaches others how to build 6-figure passive income with smart money strategies that he uses professionally.