<prompt> Human: Im almost 56, and while Im educated and Ive made some real money now and then, I never saved much and have no pension or retirement savings. I could never seem to prioritize my finances. I traveled, learned languages, worked as a journalist and a teacher in a variety of places, and played music. As I lived out of the US most of my adult life, Ive never even paid anything into Social Security.Im back in the US now, with my wife and two young children 12 and 14. Im no spendthrift, but though we live very simply, we still spend about 10k more every year than the small sum we earn from renting out rooms in our property in a small Appalachian town. The modest savings we brought here will run out soon. It just wasnt as cheap to live here as we counted on. The energy bills we pay in particular are astounding.We own a very large and beautiful old house, for which I paid 400k, about 135k of which is mortgaged. Renting rooms in it is our only source of income ... producing about 30k last year. Real estate does not appreciate much around here so it is probably worth about the same that it was when I bought it in 2012. I also own some rough mountain land with no structures, about 60 acres, that does not seem to be worth more than about 125k.One of our children -- the 14 year old -- is profoundly autistic and will need lifelong care. Despite these assets, we qualify for medicaid. My son doesnt qualify for SSI disability because of the second piece of property. We probably could have qualified for food stamps, but we did not feel like we needed them.The only places I can monetize my ageing skills set, it seems, would be in cities like Singapore, Taipei or Hong Kong. But I feel way too old for that now. I hate traffic. I love my garden. I love my small, culturally homogeneous, uneventful and crime-free town. My family is happy here.Things were looking quite grim and it seemed that I would have to take one of the low-wage jobs on offer around here just to hold on to what we have. I figured I would need to sell one or both properties once the kids reached 18.Then my mother passed away leaving us rather more than I had expected. Theres a portfolio worth as of early October about 1.1 million. Separately she left my handicapped son a structured trust that is worth about 500k, but will only disburse a mandatory 25k a year. -- no more, no less -- until it runs out. Right off the bat, we will lose Medicaid once those disbursements start.Articles I read about retirement seem to say that even 1.1 million is not enough to provide for a comfortable retirement, at least by American middle class standards. And those articles assume some sort of safety net we dont have. As it stands I do not qualify for even a minimum Social Security payout.I feel like responsibility dictates that I must grow this money, which should materialize early next year once the estate is settled. Im willing to take certain risks with it. But I am at a loss about what to do with it.Im sure one could find plenty of fault with my life choices. Yes, I did not deserve the inheritance perhaps no one does. I was ready to live a very low income existence in the 20 or 30 years I have left. But all that aside, what would you do in my shoes? Current assets The family home, which is also a BB, worth about 400k, mortgaged 60 acres of steep mountain land, worth maybe 125k, owned outright About 8k in cash Two very old cars together worth maybe 3k A third newer car inherited from my mother worth about 13k A very small house in Sri Lanka, which we wont touch until my mother-in-law passes, worth maybe 40k. Household items, furniture and collectables worth about 20kCurrent debts A mortgage, and a Heloc, at 4.35 and 5.6 respectively, together about 135k A personal installment loan with about 14.5k left to pay Credit card debt of 4,400, all of it on a single card that wont start charging interest until February.Assets to be inherited early next year Stocks and money market instruments worth about 1.1 million A trusteed IRA worth about 500k. It really belongs to my son, and its disbursements are set at 25k per year. It is managed by a brokerage.  <response>: Im sorry for your loss. Fortunately for you, you arent in a terrible position by virtue of the inheritance. From the 1.1mil, you should be able to draw down -40kyr indefinitely assuming it is appropriately invested with a moderate risk profile. Same with your sons trust -- assuming it is invested responsibly, 500k should be enough to sustain 25,000 annual disbursements for a pretty long time. That isnt to say you dont need to find another source of income -- even 10hr at Wal-Mart for five years or so will go a long way toward helping you bridge that gap. But your mother was very generous and has set you up with the retirement nest-egg you never saved for yourself. Just dont squander it. 