Dear Resentful Daughter-in-Law, Your concern about your mother-in-law’s lifestyle is understandable, but it's important to clarify a few points. If your husband’s inheritance was specifically left to him in a will or trust, and his mother used it, then she may have acted improperly. However, if the inheritance was left to her, then she has the right to use it as she sees fit. It's also worth noting that Social Security benefits are typically paid to individuals, not couples, unless they are married. If your mother-in-law is receiving both her own and her late husband’s Social Security, that may not be accurate. Your mother-in-law has experienced significant life changes—losing her husband at a young age and retiring. She may be dealing with emotional and financial challenges that are not immediately visible. It's natural to feel frustrated, but it's also important to approach the situation with empathy. She doesn’t owe you anything financially, but she may have a relationship with your child that you want to preserve. You are right to take responsibility for your own financial future. With student loan debt and a young child, it’s important to focus on your family’s needs. Consider making a budget, exploring additional income sources, or cutting unnecessary expenses. It's okay to set boundaries, but try to maintain a respectful relationship with your mother-in-law for your child’s sake. Dear Mary Poppins, It sounds like you're at a crossroads in your career and life. You’ve worked as a nanny for over a decade and are now seeking more intellectual and creative fulfillment. While your current job is physically demanding and not fulfilling in the way it once was, it has given you valuable people skills and experience. You mentioned being interested in a postpartum doula role, but the self-employment and on-call nature of that work may not align with your goals. If you're looking for a more stable income, consider exploring fields that value your communication and organizational skills. Positions in customer service, sales, or administrative support may offer a good transition. Many of these roles can be done remotely or with flexible hours, which could be beneficial as you balance your creative pursuits. If you're interested in writing or creative work, look into local or online opportunities that match your interests. You may also consider taking short courses or certifications to enhance your resume and open new doors. Remember, it’s okay to take your time and find the right path, but starting with small steps can lead to big changes. Dear Settle Down, Your decision to buy a home or continue renting depends on your long-term plans. While it’s possible interest rates could decrease slightly in the next nine months, they are unlikely to drop significantly. Delaying a home purchase could give your spouse time to adjust to the new job and ensure it's a good fit for the long term. Renting, while not ideal, can be a practical option if you're still uncertain about your future in the city. The cost of renting is something you'll have to consider, but it's less risky than committing to a home purchase that might not be permanent. If you’re ready and have a 5 percent down payment, you could still look into starter homes. However, waiting a year could provide clarity about your new job and the commute before making a major financial decision.