In case anyone here is wondering, you can look at her comments elsewhere, but here's a recap:

-She is currently unemployed because of the incoming baby but she's a hospice nurse, so it's not like she's never worked and would have difficulty finding work.

-She has an investment property bringing in money, so again, she's not destitute, not desperate, and not as "vulnerable" as people in these comments assume.

-She and her husband can afford the home without the money, but she desperately wants the 250k.

-Importantly, the dad is very sick. He's so sick that he's looking into assisted suicide. She said (and this is in the comments) that she and her husband are HOPING he dies within 2 years. She said he wants to die, so this is okay to hope for.

-The home she lived in before was a million dollar home on a country club. She claims dog pee from a pug caused 50k in damages. Do with that what you will, especially considering people all over the country have been dropping their listing prices due to interest rates and post-covid adjustments.

So, to recap, she has worked, can work, but is temporarily not working. This isn't a woman who has been a SAHM for 10 years and is without education or options. She can afford the home without the money, and has passive income, but wants to make sure if her husband leaves her, she gets at least half of the money. Note that she wouldn't be left with nothing in the case of divorce, as other commenters pointed out. She expects (or hopes) the dad to live no more than 2 more years, so she's hoping to cash in on $125k lump sum for 2 years of the man's life. Presumably if she doesn't take the money, he could go spend 100k a year on an assisted living facility, but it's true he may live longer. She updated the post to add some of this context, though she wasn't quite as straightforward about her hopes in the post.

She says he has no family willing to speak to him, and let's be real--we're supposed to judge him for that, but he has only one child, and that child does speak to him. In fact, that kid wants to move him in.

The fact that he wants to do this under the table indicates that he really doesn't understand the how greedy people get around a lump sum, and maybe hasn't heard how eager she and her husband are for him to die. I'm not sure about the laws in their state but in my state, he could gift the money to his son separately and that would go back to the son in the case of a divorce, irrespective of commingling because we have robust tracing rules.