Zbube, I could have answered this presumptuous post from Cobra myself, since I know ya so well. After all, we've been married for 10 years, lolol.
This cracked me up with how much you resemble MrH. With the exception of the motorcycle--he'd never splurge for that--and the buying a new home before the old one was sold. THAT would give both of us heart failure. Hope it sells soon.
Do not even entertain the 4 wheeler talk. Just say, Nope! Can't afford it. and move on cheerfully to the next topic.
I don't know if you were serious about the bankruptcy (since you are MrH's brother, I know that you are prone to exaggeration as to how bad things are ) but your kids need good financial role models more than they need new wheels to tool around the farm on.