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Today's question comes from Lucy in Nebraska. My husband's daughter and son-in-law wants us to get a

mortgage on a house for them. Our house is paid for and we have no bills, but we're on a fixed income.

They want to keep their house they have now and rent it out

to pay the mortgage that they want us to get. He's a cop and she's a firefighter. We cannot afford a

mortgage, but my husband is considering it, and I'm not in agreement with this plan. What do I do?

Man, Lucy, yeah, I mean, I would agree with you. I wouldn't be in agreement with this plan either.

And with you and your husband, yeah, I mean, I think continuing to sit down and understand and unpack why you're not in agreement and it's not pointing fingers at him saying, well, you, you, you, this is talking about you

and your desires, your fears, which you are worried about in this, and just the simple math of even

though, yeah, you said you guys, your house is paid for and you have no bills, but you're

to fix income. I don't know if you're working towards retirement or what that looks like,

but realistically running these numbers out, even for a decade, right, the next 10 years,

and what the reality is for your situation. Because I do think some parents, the heartstrings

get tugged so deeply that sometimes you lose the reality of your situation.

And that's maybe what your husband's doing since it's his daughter.

But I would be looking at not just the emotional side, but also the number side with him a lot.

And keep that conversation going.

Sometimes it helps to reframe the proposal and use words that explain what this actually is.

Honey, your daughter and son-in-law who have two good jobs want us to borrow money so they can

have a rental property.

That's exactly what it.

When you say it that way, it sounds dumber than crap.

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