Dear Alicia:

Did I understand correctly: You are 58, employed. In seven years, at 65 you will be retired. You don’t have enough money, as is, to retire. Therefore you are thinking about moving back in with a man who has placed you as a beneficiary in his will, hoping that will provide you future financial security. In your seven year relationship with this man, living with him, you have spent 75% of your salary on living expenses with him.

If my understanding is correct: your financial security has lessened because of your relationship with him, that is, you have less money now because you lived with him for seven years because you spent 75% of your salary on living with him.

Your only hope for financial security having to do with him is him putting you as a beneficiary on his will, correct? If so, how do you know that you are still (during this time of separation from him) still in his will? If you are currently his beneficiary, how do you know that he will keep you as his beneficiary and will not change his mind?

anita