The Moneyist: My in-laws want to give us over $100,000, but they’ll tell us how to spend it — should I tell them to keep their money?

Dear Moneyist,

My in-laws recently approached my wife and I about giving us our inheritance now, rather than later. They would prefer to see us spend the money now.

They are very well-off and, while they haven’t discussed exact numbers, if given a lump sum, I’d anticipate an inheritance of at least six figures.

I do not like the idea of receiving large sums of money that I did not earn. Regardless of how much money we have when we are older, my wife and I have agreed that our children are on their own after they move out of our house.

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