And the days of a husband who is married with children and lives 1-3 hours away and needs a room due to a promotion or job loss are long gone.

Everyone’s situation is different… mine involves children’s futures, retirement thoughts (I’m over 50) and generally speaking, for the money to not ‘go away’.I settled on rentals, myself.  

He's willing to move his current IRA into an SD account so to have checkbook capacity, however, we found that since we are his children that he is unable to lend/co-invest with us(disqualified persons).

One of our main goals is to showcase how we should be approaching our food and land stewardship as well as education programs for children and adults.The plan also includes a "tiny home village" for str and free housing for volunteers and woofers, an event center, and on site co-op farm shop with the intention of selling our own goods but also local farmers goods as well.I have a detailed rough draft investor proposal and business plan.

They are a known fire hazard, blacklisted by many insurers and lenders for that very reason.From a financial standpoint, I would not want to be defending ($$$$) against lawsuits for the deaths of X number of adults and children who burnt to death because of a Stab-Loc panel, possibly looking to pierce the veil to satisfy a judgement.From an ethical standpoint, I want to rent safe housing to people and pets, not industry known hazardous housing.From an Asset Managers standpoint, I don't want Stab-Loc's (or the like) in my portfolio, any more than I'd want something that failed a Phase I Environmental Inspection.   

The moms are working their butts off raising small children, but that job does not pay as well as it should. 

Like you said, it's all speculation and that's a dangerous game to play, especially with your children's inheritance.

That would have given ownership solely to him.In most cases, the default handling of an estate is that it goes to the spouse and children.

I would like to use that residual income to go to every major opera house in the world and start a school for gifted and talented children whose families can't afford to give them the education they deserve. :)Also, I'd like a closet full of the cutest clothes. ;)

Looks like you have more free time now since your children have grown so after work on your free time you build a business from scratch.