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The last time I went to the optometrist she tried having me look through different lenses. How many mortgages do you have? Instead, empower your in-laws to make better decisions. Paying for a financial adviser today as a gift would be a good first step. An adviser will also show them how much money they will need to live comfortably in retirement, inform them about long-term care insurance and help them set tangible goals. I own a house with my mother. Her boyfriend, 75, made sexual comments to my year-old daughter. You are all on the same side here. Readers write in to me with all sorts of dilemmas: inheritance, wills, divorce, tipping, gifting.