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Inheritance arrives wrapped in grief and decision fatigue, and the statistics are brutal: a large share of windfalls are gone within years — not through extravagance but through hasty, well-meaning decisions. The proven counter is a 90-day hold: park the money somewhere safe and liquid, grieve properly, and decide with a clear head. This guide walks the first 90 days — the hold, the tax questions, the debt-versus-invest order — and the family conversations that prevent inheritance from becoming a family war.
smart-move plan
Park it in a high-interest account for 60-90 days before any major decision — time converts grief-driven choices into deliberate ones.
Usually not as income, but the assets may carry tax implications (capital gains, retirement accounts) — check before spending or moving anything.
Clear high-interest debt first, build the emergency fund, then invest the rest — the guaranteed return on debt repayment beats most market assumptions.
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