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I crunched the numbers but it doesn't look good financially. I calculated I have to live to 80 to have enough money for him to live to 70. This is considering rising costs of prescriptions and medical institutions, which I calculated at +4% per year. The advantage of me living longer is he can live with me for free vs. a home/institution which is the bulk of the cost. If he had a sibling with an extra bedroom and I still paid for the costs via a trust, it would probably cover him even if he lived to 100. Just letting a sibling live in one of your rooms is not a big burden I don't think.
That would be great, but what about when these hypothetical siblings leave to go to college? To cohabitate or marry? To have children of their own? What if they need to provide for *your* needs as well, which could be a distinct possibility if you don't continue to be hale and hearty into your twilight years. That's a huge burden that you'll be placing upon your kids from the moment of conception.
What happens if your girlfriend proves to be sterile or needs extensive, invasive,and costly fertility treatments in order to conceive?
I definitely sympathize with your situation regarding your son, but your girlfriend does not get to make these decisions for her unborn children and quite frankly, neither do you.
Do what you will with this woman, but please do not delude yourself into thinking that her promises will be fulfilled in the long term and that getting >>insert sexual acts of your choice<< means that your son's needs will be provided for by her.
If one of my siblings needed a place to stay, I'd let them stay.
The difference here is that you get to make a conscious decision about opening your home to your sibling(s), but your hypothetical offspring would not have the privilege of that option.
Thinking of alternative ways to care for your son is admirable and necessary, but aligning yourself with an admitted "spender" (you mentioned that she rapidly blew her way through her divorce settlement and weaseled her way into living with you via her supposed financial woes although, according to you, she's quite the spend-y fashionista), then bearing children with her (even able-bodied children are expensive, as you well know, and you know that second-hand or off-brand anything for the babies will be a no-go with her) is the most foolish way that I've ever heard as a back-up plan for providing for his needs.
At the end of the day, though, you're going to do what you're going to do. Enjoy the ride and supposed "social cache" that you get from this woman while it lasts.
Last edited by Formerly Known As Twenty; 05-06-2019 at 09:05 AM..
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