> At 60 an inheritance doesn’t move the needle much. My in-laws gave my me and my wife about $20,000 to help with the down payment on our house when we were 35

> At 60 an inheritance doesn’t move the needle much. My in-laws gave my me and my wife about $20,000 to help with the down payment on our house when we were 35. They said to consider it an advance of our inheritance for that exact reason. $20K at that time would make a lot more of a difference to us than $20K + the interest it would have earned in 20-30 years.