<prompt> Human: Pretty much says it all in the title. My mom received a 125,000 life insurance check after my fathers passing in May. They now just her owe around 5000 on the house and how no other debt. She needs a new car as well. My wife and I have a combined total of around 60K in student loans that we have been putting 2000 a month at to get them paid down quick. I asked my mom if she could pay off the balances and I could pay her back, basically 500 a month from us until the day she dies. What worries me is she is really bad with money and I can see her just spending this cash in the next year and a until it is gone. In my eyes, paying off these loans will bring more financial stability to the family and allow my wife and I to start our own family and save up for a home. I dont want to pressure her, but I can;t just watch this slip by either, what should I suggest? Am I wrong in assuming she should pay off the balances and receive monthly payment is return?  <response>: I asked my mom if she could pay off the balances and I could pay her back, basically 500 a month from us until the day she dies.You asked her - nothing wrong with that. What did she say? Am I wrong in assuming she should pay off the balances and receive monthly payment is return? Yes, you are wrong. Its her money, not yours. Dad could have take simple steps to name you a beneficiary, but didnt. 