The Ramsey Show

Snapshot · The Ramsey Show

Life Is Complicated. Money Doesn't Have To Be.

Explore episode Jul 27, 2026

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Brian in Dallas: Managing a 94-Year-Old's $650K in Assets

At 1:38:35 · chapter starts 1:38:20

Brian's mother is a remarkable 94-year-old who worked until 93, has $500,000 in assets, and is about to add $150,000 from the sale of her house — giving her roughly $650,000 total against $5,000 per month in assisted living costs. The question: how to manage the money? George Kamel advises against trying to move assets to qualify for Medicaid given the 5-year look-back period, suggests keeping $400,000 in high-yield savings as a care buffer, and investing the remaining $250,000 for compounding returns. A SmartVestor Pro is recommended for state-specific estate planning guidance.

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