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My parents are 56 and 60 and have always financed and used credit cards to get thru. I have no idea what their current CC amount is but my dad just switched jobs, much better pay and instead of paying down the CC's, he has gone and traded in a perfectly good, 05 truck for a new car and bought into the doofy car phone it comes with and so on!! WTH? My family is nutso! The beg and plead for me to come see them, two hours away but they dont have guest rooms and then my mom complains that my two kids and I end up spread out over 2-3 family members homes in the same area but if just my parents came to see me, all I hear is they cant afford the motel stay and they dont sleep well anyway and sure cant in my home and so on. ARRRRGGGH!!!!!! I sure hope the nut doesnt fall from the tree or however that saying goes because if I turn out like them, I'd commit suicide. That being said, I could use suggestions on who to make beneficiary of my life insurance and one child and material possessions in the event of my untimely passing. I have no reason to think they would do anything right where my money and child is concerned and I dont want to be spinning in the grave LOL.