<prompt> Human: Here are the facts: MIL is 69, retired, not fiscally responsible. Shes paying 1000 a month in rent. Her rent is going up. Shes inherited an unknown amount of money 500k-. She collects social security and is the widow of a veteran, so she has insurance and collects some pension from that. We live in a hot real estate market. Weve been told her accountant said she can spend 225k on a house. Im a general contractor and could build her a house. But Im hesitant to get too involved due to her personal instability. Plus, Im really busy. Should we encourage her to buy, build, or rent?  <response>: She has absolutely no business owning a home. 