A few things. Right now your father doesn't have a mortgage payment (I think) AND he has you paying him $400 a month rent. Does the future plans include this drop in income for you?
Also, will you be married by the time the gifts are distributed? If not, I think it is really unfair to your other siblings for your dad to give money away to a "legal stranger". And, what if you break up before then? I know, it won't happen to you. Unless it does. Then what?
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