Answer:
I cannot be burned in fire or drowned in water. What am I?
What do people spend a lot of money on every year, but never want to use?
I am easy to waste. I am unstoppable. What am I?
I row quickly with four oars but never comes out from under my own roof.
What kind of coat can only be put on when wet?
I am your mother's brother's only brother in law. Who am I?