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The Moneyologist: My mother saved $10,000 for my wedding. Should I spend it on a house?

Terrence Horan/MarketWatch

Dear Moneyologist,

Many years ago, my mother regularly put money into an emergency fund for her and my dad. She didn’t tell my dad about it at the time, because it was just a few dollars here and there. However, it eventually grew to $10,000. As they got financially stable, she earmarked that $10,000 to give me as a wedding gift. Fast forward to now. I’m 41 and have never married.

I’m looking at buying a house and my mother has offered the $10,000 toward my down payment, if I want it. Otherwise, I can wait and I will get it if I ever marry.

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