‘My two siblings are adamantly opposed to selling the property.’
My parents bought a small summer cottage when I was about 15. I’m now 53. The cottage is truly tiny. It is on the water, but it’s only big enough for about four people to be in comfortably so it’s not really a place where the whole family can gather.
My two siblings are adamantly opposed to selling the property, my brother in particular. The cottage has gone through periods where it has sat unused for long periods because no one has the time to go or the money to help maintain it. Mom still has to pay taxes, maintenance etc. Should I stay quiet and watch mom continue to drain her finances on a cottage that she can’t go to by herself anymore just so my siblings have the option to enjoy it when they want? She only goes for one week of the year and maybe a weekend here or there.
And you? It is a proxy for your anxieties about your mother’s declining health and your siblings’ apparent fecklessness and — in your eyes, at least — their unwillingness to face up to some hard facts about your mother’s long-term care, and the financial obligations that await your family. We know it’s there, and it’s a last resort if your family needs money to pay for a caregiver or other medical bills. But it would be a more productive, and less provocative step to sit down with your mother and, perhaps, a financial adviser to assess her current and future needs.
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