Core Insights - The article discusses the emotional conflict surrounding the use of a $400,000 inheritance for major life milestones such as marriage, home purchase, and starting a family, emphasizing the importance of planning and addressing anxieties related to financial decisions [1][4][10]. Financial Planning - The inheritance is viewed as a significant resource that can help achieve life goals, but there is hesitation about using it due to its sentimental value and the loss of parents [2][3][4]. - Living in high-cost areas like New York City complicates financial planning, as high rent and property prices make it challenging to save for major purchases without additional resources [5][11]. Legal Considerations - The article suggests that couples should consider prenuptial agreements to protect inherited assets, especially if they plan to use a portion of the inheritance for joint purchases like a home [8][9][14]. - It is recommended to seek advice from financial and legal professionals to ensure proper management of assets and to include reimbursement clauses in property titles [14]. Emotional Aspects - The narrative highlights the struggle between grief over lost parents and the desire to honor their legacy by using the inheritance to improve quality of life [10]. - The article encourages viewing the use of inheritance as a way to celebrate the parents' memory rather than a disservice [10].