How should I invest my money now if I’m expecting an inheritance in 10 to 20 years?

Expecting a sizeable inheritance somewhere down the road, perhaps a decade or two away, changes how you might think about saving and investing today, and this piece explores that for a single mother who has cleared her mortgage and can set money aside each year. The tricky part is planning around money that is both uncertain in timing and not yet yours, which makes it unwise to lean on it too heavily while still worth acknowledging in the bigger picture. It's most relevant to anyone in a stable spot who knows a windfall may eventually arrive and wonders how much it should shape their decisions now. The thinking it works through balances building genuine independence through your own saving against the temptation to count on an inheritance that may come later, larger or smaller than expected, or not quite when you assume.