For many families, the vacation home holds an almost sacred place in the heart—where toddlers became teens, where holidays meant fireflies, fireworks or fireplaces, and where generations gathered without the distractions of daily life. But behind the memories, there's a practical truth: someone has to pay for the propane. And the insurance. And the dock repairs. When Mom and Dad first bought the place, they likely never imagined the complexity of passing it down. They might h