Personal Finance and Investing

She can't afford to live in her house with propane at 5.50 a gallon, and she can't afford to replace the furnace, and she can't afford to live elsewhere because of the hideously high property taxes. (Which will get worse if she moves to a warmer climate because of residency... It's complicated.) she can barely afford to stay in assisted living and any emergency (like if something happens to her house and requires us to pay the deductible for repair) will tip her into an economic death spiral. If she ends up deeply in debt to her facility, the state has the right to essentially confiscate her property, sell it and pay off her creditors before handing the remainder to her heirs, but in those sorts of fire sales, the property often gets sold at minimal prices. It's better for me to do the same thing in a responsible and sensible manner. The state where her property is is pretty... Awful in a lot of ways.

Waiting for her death was on the table, but it's not functional. (Especially because she actually would like to personally give some of the proceeds away to the great-grand kids in the form of college trusts. She can't do that when dead, and knows that colleges don't take 6 acres and thirty bushels as tuition payments anymore. She's losing her cognition and short term memory, but there's still a lot of her there.)