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We have scrimped, saved, and invested our entire lives, so we can

afford to help him, but it isn't fair to the other children, who know

how to live within their means, and whose spouses also work. My husband

says he'll be surprised when we're gone and he finds out that he isn't

getting a full third of our assets, since he's already " borrowed "

against it. We aren't rich by any means, but we have enough to live on

the rest of our lives. It all boils down to his poor choice in a

wife. He was raised to save up for big purchases, not to buy on

credit, and make do with what you have, but he doesn't seem willing to

teach his wife the same values he grew up with. She's not even a good

mother to his 2 daughters. They separated for a few months last year

(she left the girls with him and took off with a boyfriend) and I was

hoping he'd divorce her, but he took her back.

They are coming here for dinner tonight, expecting to get money.

Instead, we have decided to tell him about the free credit counseling

service in town and urge them to go there, but I know there is no way

she'll cut up her credit cards. There is no reason that she can not

work, either. Just lazy.

Janet/PA

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