Dear Penny,
My wife and I are middle class or maybe upper middle class. I make pretty good money. I pay all of our bills, mortgage, both cars, insurance and healthcare bills (which is $2,000 per month). She is a social worker and only makes enough to cover her personal needs and spending money.
We have a modest savings account (about $50,000) and a small retirement account ($200,000). We also have some real estate holdings, which will fund our retirement when liquidated in 15 years. We are in our early 40s.
She inherited about $60,000 from her grandfather. She asked
