My husband and I both have elderly moms. My mom has some assets and I have an appointment to speak with an elder care attorney about managing them so they are available to take care of her as long as possible. His mom has minimal to no assets. What happens to elderly people who have no monies for their care when they can no longer live independently?
You sound as though you are handling your own mother's assets very wisely. It's wonderful that you both have this caring and insightful mindset.
Take care,
Carol