Why would you write a letter to your fiance? Unless you have an online relationship. You get your broke ass to the bank and you borrow money and pay it back when your inheritance comes through. And by the way, there no big time delay in accessing the funds. That's complete bullshit. Sounds like you are a scumbag scammer who wants to wipe this poor guy out. Get a job. Get a loan. Get a life and leave him alone when it comes to money.