Alright, I'm back. Too much going on to sleuth, have to sneak some time away.
Back to the insurance policy. I am a little older than JY but have a child around the same age. Speaking to an insurance salesman (who wants you to give everything you have and name your first born after them) a million would not seem excessive to me. I will ignore the two million for the time being, that would seem like overkill to me but could be part of the accidental death and I'm not going there. Could have been quite the motive but seems there could have been plenty of motives for JY.
Just in my situation, my wife and I bought a new house. To pay off the mortgage on the house, assure college for our child, and loss of income of one of the parents would be substantial. Child care alone while one of the parents worked would be a significant amount. Raleigh is certainly not LA by any means but it would be rather expensive compared to smaller towns in the area or even major cities across the us. Raleigh is a up and coming town which has lots of bio medical and research firms in the area. NC is not the farming capital of the world like it used to be. This doesn't account for any car loans, college loans, or personal debt. Remember that there were two homes not just one. IMO, a million would let JY or MY basically break even. Probably enough to pay for Cassidy to go to college, but neither one would be living it up. Young couples out of college tend to have tons of debt and spend beyond their means. I don't think anyone here should beleive that JY would be moving to an island to live the life of the rich and famous. Not saying that it couldn't have gotten him out of a bad situation, but certainly not buying him an oceanfront pad.
I would think that the choice of vehicle would depend on what kind of deal her dad would get them. Both seemed reasonable finacially, not wanting to buy a new car to impress the neighbors.
Charlie, I keep thinking about the footprints as well. Will be very telling if the perp made a dash to the door or hung around a while. Certainly LE can determine if the perp tried to clean up or took the shoes off after the fact. I would tend to beleive that there is at least one good footprint at the scene if they are taking size measurements of his feet. This would basically exclude everyone with less than a size 11 or less from commiting this crime. Someone would have to be very clever to wear oversized shoes to commit the crime.