Dear Pay Dirt: I’m not sure how to fix this.
My dad died when I was in elementary school. I received a modest amount of life insurance money, which my mom put into an investment account. She would withdraw money from this account to pay for things on my behalf—like clothes or the private school she insisted on sending me to. She chose not to work, and her new husband was often unemployed or underemployed. We basically all lived off my Social Security survivor’s benefits.
I am not very financially literate, but my husband is. He has invested wisely in the stock market, so much so that he could retire now if he wanted to . I honestly feel like he could invest my money as wisely, if not better than the mutual fund, but I have an emotional attachment to this money, because it’s basically all I have left from dad. Also, due to COVID, I haven’t been working to be able to watch our children.
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