‘We live in purgatory’: My wife has a multimillion-dollar trust fund, but my mother-in-law controls it. We earn $400,000 and spend beyond our means. What’s our next move?

Dear Quentin,

I’ve been with my wife for 15 years. We’re in our 40s, have two children and are very happy. We both have good jobs and make about $400,000 a year combined. My wife’s grandfather made a decent-sized fortune for himself and left his kids a thriving business and sizable trust funds. 

The trusts and other…