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REDDIT

$200k gift incoming - but CAN'T be invested! Help me strategize please.

C
Jun 1, 2026 · 20:22

My in-laws are in their 70s and need to unload some cash because they have too much. They said they have $200k for us, BUT they don’t want to invest it (and neither can we).

They said it can only be given to us to spend on a non-recurring, capital improvement type of things (believe me, I’m crying…). Ex. kitchen renovation, new car, etc.

Nonetheless, they did say they would consider using it to help us buy a new house (single-family only) and presumably we could rent our current house. But, it can't be "an investment property." Maybe buy some other asset? But what? Fine art?

*I need other ideas for this cash to work for us.*

I mentioned to them that we (in our 40s) are still positioning ourselves to be set up for the future. We also have 3 children. We're also in the initial stages of starting a new business (not our first rodeo).

How can we leverage this gift into an opportunity that will actually support our future?

Thank you!