My mom plans to spend all her money before she dies — leaving my brother and I nothing. Is she being selfish?

Core Insights - The article discusses the complex emotions and decisions surrounding inheritance, particularly focusing on a mother who plans to spend all her money before her death, leaving nothing for her children [3][10][15] Group 1: Reasons for Not Leaving Inheritance - Some parents choose not to leave inheritances to encourage self-sufficiency and a strong work ethic in their children [2] - Concerns about adult children mismanaging or squandering inherited money are common among parents [1] - Fear of family strife, including potential conflicts among siblings or between step-parents and children, can also deter parents from leaving inheritances [5] Group 2: Financial Planning and Communication - The article emphasizes the importance of discussing inheritance plans openly to avoid misunderstandings and ensure that family members can plan their financial futures [14] - It suggests that Isabella and Lorenzo should have a conversation with their mother about her financial plans, particularly regarding potential health care costs as she ages [10][12] - Encouraging their mother to consult with a financial expert is recommended to ensure her financial needs are met while considering her wishes [14][15] Group 3: Life Insurance as a Financial Tool - The article mentions life insurance as a potential solution for parents who wish to cover end-of-life expenses without leaving an inheritance [6][7] - Ethos offers final expense insurance that can cover funeral costs and other debts, which may alleviate financial burdens on heirs [8]