We have come to a cabin crossroads far earlier than I had anticipated. While I had always thought our kids would take over our 50 percent share in the summer-only lake property we’ve held with another family for more than 30 years, the realistic chances of that happening become more remote as the years whip by.

I originally bought the place because of my own waterfront memories and because it (our place is rustic; think indoor camping) required very little money as a down payment. My father rented a cabin on a mountain lake each year and those days turned out to be the fondest memories of my youth. The idea was to allow our children to share terrific experiences, and then, hopefully, their children as well.

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